Sample records for credit noaa nmfs
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How the wet side of NOAA (NMFS and NOS) is using JPSS data
Wilson, C.
2016-12-01
The VIIRS (Visible Infrared Imaging Radiometer Suite) instrument on the JPSS satellite, launched in 2011, is the most recent of a series of US ocean-color satellite measurements. With the launch of VIIRS we now have a nineteen-year continuous time-series of ocean-color measurements, starting with SeaWiFS (Sea-Viewing Wide Field-of-View Sensor), launched in 1997, and followed by MODIS (Moderate Resolution Imaging Spectroradiometer) on the Aqua satellite that was launched in 2002. What is significant about the VIIRS launch is that it represents a transition from ocean-color satellite data being generated from research missions launched by NASA to an operational data-stream that NOAA has responsibility for. In this presentation I will present a broad array of projects that will demonstrate how NOS (National Ocean Service) and NMFS (National Marine Fisheries Service) are using VIIRS data, both ocean-color and sea-surface temperature. Since fisheries and ecosystems studies typically require long time series, on the order of years to decades, the utility of the VIIRS data is that it has been intercalibrated with legacy data-streams to provide a climate data record. The majority of the projects highlighted were developed as part of the NOAA ocean satellite course that has been conducted annually since 2005.
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75 FR 5765 - NOAA Coastal and Marine Habitat Restoration Project Supplemental Funding
2010-02-04
...-02] RIN 0648-ZC05 NOAA Coastal and Marine Habitat Restoration Project Supplemental Funding AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice of supplemental funding for NOAA Coastal and Marine Habitat Restoration Projects. SUMMARY...
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75 FR 60085 - NOAA Proposed Policy on Prohibited and Authorized Uses of the Asset Forfeiture Fund
2010-09-29
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XZ29 NOAA Proposed... Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice; request... Secretary of Commerce through NOAA to pay certain enforcement related costs from sums received as fines...
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NMFS Water Column Sonar Database
National Oceanic and Atmospheric Administration, Department of Commerce — Water column sonar data are an important component of fishery independent surveys, habitat studies and other research. NMFS water column sonar data are archived here.
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AFSC/RACE/SAP: Detailed Crab Data From NOAA Fisheries Service 2012 Chukchi Sea Bottom Trawl Surveys
National Oceanic and Atmospheric Administration, Department of Commerce — This dataset contains detailed crab data collected from the 2012 NOAA/NMFS/AFSC/RACE crab-groundfish bottom trawl survey of the Chukchi Sea. 71 survey stations were...
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NMFS Fishery-Independent Survey System (FINSS)
National Oceanic and Atmospheric Administration, Department of Commerce — Fishery Independent Survey System (FINSS) is a national system that characterizes NMFS ocean observation activities, stock and ecosystem data collections during...
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National Oceanic and Atmospheric Administration, Department of Commerce — This dataset contains detailed crab data collected from the annual NOAA/NMFS/AFSC/RACE crab-groundfish bottom trawl survey of the eastern Bering Sea continental...
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NOAA budget would boost satellite funding but cut some key areas
Showstack, Randy
2012-03-01
The White House's proposed fiscal year (FY) 2013 budget for the National Oceanic and Atmospheric Administration (NOAA), announced on 13 February, looks favorable at first glance. The administration's request calls for $5.1 billion, an increase of $153 million (3.1%) above the FY 2012 estimated budget. However, the increase for NOAA satellites is $163 million, which means that other areas within the agency would be slated for decreased funding, including programs within the National Ocean Service (NOS), National Marine Fisheries Service (NMFS), National Weather Service (NWS), and some NOAA education programs. The proposed overall budget for the agency “reflects the overarching importance of weather satellites to public safety, to national security, and to the economy,” NOAA director Jane Lubchenco said at a 16 February briefing, noting that difficult choices were made regarding the budget. “Due to significant resources required for our weather satellites and the economic conditions in the country, other parts of our budget have been reduced, in some cases quite significantly,” she said. She added that the imperative to fund both the Joint Polar Satellite System (JPSS) and geostationary satellites in FY 2013 “imposes serious constraints on the rest of NOAA's budget.”
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2011-10-25
.... Mail: Rich Malinowski, Southeast Regional Office, NMFS, 263 13th Avenue South, St. Petersburg, FL 33701... http://sero.nmfs.noaa.gov . FOR FURTHER INFORMATION CONTACT: Rich Malinowski, Southeast Regional Office, NMFS, telephone 727-824-5305; e-mail: Rich.Malinowski@noaa.gov . SUPPLEMENTARY INFORMATION: The...
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NOAA History - NOAA Then and Now
NOAA History Banner gold bar divider home - takes you to index page about the site contacts noaa formed agency. The documents in this section include information on the history of the formation of NOAA . agency history noaa seal NOAA Historical background information on NOAA as an agency of the Department of
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National Oceanic and Atmospheric Administration, Department of Commerce — This dataset contains measurements from CTD hydrocast stations from seven cruises of NOAA Ship Townsend Cromwell in the central north Pacific from 1997 to 2002...
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The NOAA Dataset Identifier Project
de la Beaujardiere, J.; Mccullough, H.; Casey, K. S.
2013-12-01
The US National Oceanic and Atmospheric Administration (NOAA) initiated a project in 2013 to assign persistent identifiers to datasets archived at NOAA and to create informational landing pages about those datasets. The goals of this project are to enable the citation of datasets used in products and results in order to help provide credit to data producers, to support traceability and reproducibility, and to enable tracking of data usage and impact. A secondary goal is to encourage the submission of datasets for long-term preservation, because only archived datasets will be eligible for a NOAA-issued identifier. A team was formed with representatives from the National Geophysical, Oceanographic, and Climatic Data Centers (NGDC, NODC, NCDC) to resolve questions including which identifier scheme to use (answer: Digital Object Identifier - DOI), whether or not to embed semantics in identifiers (no), the level of granularity at which to assign identifiers (as coarsely as reasonable), how to handle ongoing time-series data (do not break into chunks), creation mechanism for the landing page (stylesheet from formal metadata record preferred), and others. Decisions made and implementation experience gained will inform the writing of a Data Citation Procedural Directive to be issued by the Environmental Data Management Committee in 2014. Several identifiers have been issued as of July 2013, with more on the way. NOAA is now reporting the number as a metric to federal Open Government initiatives. This paper will provide further details and status of the project.
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2011-09-26
... submitting comments. Mail: Rich Malinowski, Southeast Regional Office, NMFS, 263 13th Avenue South, St... http://sero.nmfs.noaa.gov . FOR FURTHER INFORMATION CONTACT: Rich Malinowski, telephone: 727-824- 5305, or e-mail: rich.malinowski@noaa.gov . SUPPLEMENTARY INFORMATION: The Magnuson-Stevens Fishery...
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NOAA predicts moderate flood potential in Midwest, elevated risk of ice
March 20, 2014 U.S. Spring Flood Risk Map for 2014. U.S. Spring Flood Risk Map for 2014. (Credit: NOAA moderate flood potential in Midwest, elevated risk of ice jams; California and Southwest stuck with drought minor or moderate risk of exceeding flood levels this spring with the highest threat in the southern
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NOAA Administrative Order 216-115: Strengthening NOAA's Research and
Advisory Committee Directives Management System NOAA Administrative Orders NOAA Circulars NOAA Delegations support NOAA in addressing critical science challenges, particularly those requiring integrated, holistic Quality Act (2001), the Office of Management and Budget (OMB) Circular A-11 (OMB, 2009a), the Open
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National Oceanic and Atmospheric Administration, Department of Commerce — NOAA NMFS does not approve, recommend, or endorse any proprietary product or proprietary material mentioned in this publication. No reference shall be made to NMFS,...
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NOAA History Banner gold bar divider home - takes you to index page about the site contacts noaa americas science and service noaa legacy 1807 - 2007 NOAA History is an intrinsic part of the history of Initiative scroll divider More NOAA History from Around the Nation scroll divider drawing of a tornado NOAA
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2011-04-19
... fishery, including a requirement for independent, third-party dockside and at-sea monitoring of sector...; Approved Sector Monitoring Service Providers AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notification of NMFS-approved sector...
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Reports NOAA Organizational Chart [Back to Top] Major Information Systems NOAA Online Library The NOAA Library maintains publications on microfiche, microfilm, compact discs, and databases that support publications can be accessed from this link. NOAA's mission statement, strategic plan, organizational structure
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2010-01-22
... recruitment, and successful reattachment and recruitment of asexual fragments in water depths shallower than... corals online at the NMFS Southeast Regional Office website: http://sero.nmfs.noaa.gov/pr/esa/acropora... settlement and recruitment, and the reattachment and recruitment of asexual fragments in water depths...
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2013-10-25
... Rich Malinowski, Southeast Regional Office, NMFS, 263 13th Avenue South, St. Petersburg, FL 33701... [email protected] , or by fax to 202-395-7285. FOR FURTHER INFORMATION CONTACT: Rich Malinowski, Southeast Regional Office, NMFS, telephone 727-824-5305; email: Rich.Malinowski@noaa.gov . SUPPLEMENTARY...
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2013-01-25
... Malinowski, Southeast Regional Office, NMFS, 263 13th Avenue South, St. Petersburg, FL 33701. Instructions... . FOR FURTHER INFORMATION CONTACT: Rich Malinowski, Southeast Regional Office, NMFS, telephone 727-824-5305; email: rich.malinowski@noaa.gov . SUPPLEMENTARY INFORMATION: The reef fish fishery of the Gulf of...
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NOAA History - About This Site
NOAA History Banner gold bar divider home - takes you to index page about the site contacts noaa - takes you to the noaa home page search this site white divider about this site The NOAA History site is the result of the work of many individuals throughout 3d history page NOAA who have been inspired by
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77 FR 29969 - Marine Mammal Stock Assessment Reports
2012-05-21
... Mammal Stock Assessment Reports AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and... of marine mammal stock assessment reports (SARs). The 2011 reports are final and available to the... individual reports at the following address: http://www.nmfs.noaa.gov/pr/sars/ . You also may send requests...
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Marine Mammals :: NOAA Fisheries
Resources Habitat Conservation Science and Technology International Affairs Law Enforcement Aquaculture Application Types Apply Online (APPS) Endangered Species Permits Marine Mammal Permits Public Display of : NMFS Pacific Islands Fisheries Science Center North Atlantic right whales North Atlantic Right whales
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NOAA Miami Regional Library > Home
Library Collections Open Access Resources Research Tools E-resources NOAA S. and NOAA N.E. Library Institutional Repository DIVE INTO About the Library | Collections | Research Tools | Library Services & NOAA Miami Regional Library @ AOML & NHC NOAA Miami Regional Library at National Hurricane
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2012-04-19
... survival.'' Regulations governing the taking of Steller sea lions (Eumetopias jubatus), by harassment, and harbor seals (Phoca vitulina) (adults by harassment and pups by injury or mortality), incidental to space... required timeframe and the report is posted on NMFS Web site: http://www.nmfs.noaa.gov/pr/permits...
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77 FR 24469 - Endangered and Threatened Species; Take of Anadromous Fish
2012-04-24
... be viewed online at: https://apps.nmfs.noaa.gov/preview/preview_open_for_comment.cfm . These... operate to the disadvantage of the listed species which are the subject of the permits; and (3) are... Fisheries, NMFS. Applications Received Permit 14808 The California Department of Fish and Game (CDFG) is...
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2012-11-13
... site at http://www.nmfs.noaa.gov/sfa/hms/index.htm . Additionally, please be advised that your...; Maintain time-series of abundance from previously derived indices for the shark BLL observer program... the previous 2 years for any HMS fishery, but failed to contact NMFS to arrange the placement of an...
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75 FR 33243 - Endangered and Threatened Species; Take of Anadromous Fish
2010-06-11
... and Threatened Species; Take of Anadromous Fish AGENCY: NOAA's National Marine Fisheries Service (NMFS... Endangered Species Act of 1973 (16 U.S.C. 1531-1543) (ESA), is based on a finding that such permits... NMFS regulations (50 CFR parts 222-226) governing listed fish and wildlife permits. Species Covered in...
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National Oceanic and Atmospheric Administration, Department of Commerce — NOAA's Electronic Navigational Charts (NOAA ENCs) have been developed to support the marine transportation infrastructure and coastal management. The NOAA ENCs are...
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2012-02-17
... revised LOA that is valid for two years, to take marine mammals by harassment incidental to the U.S. Navy... 3395). The application requested authorization, for a period of two years, to take, by harassment..., 2011 within the required timeframes and it is posted on NMFS Web site: http://www.nmfs.noaa.gov/pr...
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NOAA - National Oceanic and Atmospheric Administration
Click to look up weather forecast by City, State Active Weather Alerts Home NOAA Corporate Finance and NOAA Corporate Finance and Administrative Services Offices Sapelo Island Lighthouse. Sapelo Island . NOAA Corporate Finance and Administrative Services offices strive to deliver quality services to NOAA's
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CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS
Turgay GECER
2012-01-01
Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...
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NOAA Workforce Management Office
Management Fellows (PMFs) Program Coordination Office - Leadership Development Program (PCO-LDP) Employee (NRAP) Presidential Management Fellows (PMFs) Program Coordination Office - Leadership Development ) NOAA Leadership Seminar (NLS) NOAA Rotational Assignment Program (NRAP) Presidential Management Fellows
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2010-02-03
...-02] NOAA Cooperative Institutes (CIs): (1) A CI To Support NOAA Research Facilities in the Pacific..., National Oceanic and Atmospheric Administration (NOAA), Department of Commerce. ACTION: Notice; extension... Research (OAR) published a notice of availability of funds to establish three new NOAA cooperative...
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NOAA Workforce Management Office - About Us
Agency's mission. The WFMO provides NOAA-wide leadership to workforce management functions including * WorkLife Center * WebTA * New Employee Info * Separation Info Workforce Management Office (WFMO) Serving accomplishment of the NOAA mission and the Nation's interests. The NOAA Workforce Management Office (WFMO
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2012-04-02
..., and other supporting documentation may be obtained from Rich Malinowski, NMFS, Southeast Regional... CONTACT: Rich Malinowski, telephone: 727-824- 5305, email Rich.Malinowski@noaa.gov . SUPPLEMENTARY...
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International Nuclear Information System (INIS)
1973-01-01
The NOAA Fleet Operations Report 1973 was developed to provide a summary of project accomplishments during calendar year 1973. The report was prepared from season, cruise and special reports submitted by ships of the fleet. Centralized management of the NOAA Fleet was finalized by changing the operational control of the National Marine Fisheries Service (NMFS) Ships DAVID STARR JORDAN (FRS 44), TOWNSEND CROMWELL (FRS 43) and MURRE II (FRV 63) from NMFS to the National Ocean Survey on July 1, 1973. Throughout the year, ships routinely collected and transmitted weather data. Similarly, as NOAA participants in the Integrated Global Ocean Station System (IGOSS) service program, XBT observations were taken and either radioed or submitted in log form via mail. In addition, particulate and radionuclide samples were taken in cooperation with the Atomic Energy Commission, sediment samples were obtained for the Smithsonian Institution and observations were made of marine mammals
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National Oceanic and Atmospheric Administration, Department of Commerce — These data depict Essential Fish Habitat (EFH) conservation areas off Washington, Oregon, and California. The coordinate locations are from NMFS' Final Rule to...
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NOAA Coastal Mapping Shoreline Products
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Coastal Mapping Shoreline Products from the Remote Sensing Division are primarily for application to the nautical charts produced by NOAA's Office of Coast...
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Reining, R. C.; Cantrell, L. E., Jr.; Helms, D.; LaJoie, M.; Pratt, A. S.; Ries, V.; Taylor, J.; Yuen-Murphy, M. A.
2016-12-01
There is a deep relationship between NOSIA-II and the Federal Earth Observation Assessment (EOA) efforts (EOA 2012 and 2016) chartered under the National Science and Technology Council, Committee on Environment, Natural Resources, and Sustainability, co-chaired by the White House Office of Science and Technology Policy, NASA, NOAA, and USGS. NOSIA-1, which was conducted with a limited scope internal to NOAA in 2010, developed the methodology and toolset that was adopted for EOA 2012, and NOAA staffed the team that conducted the data collection, modeling, and analysis effort for EOA 2012. EOA 2012 was the first-ever integrated analysis of the relative impact of 379 observing systems and data sources contributing to the key objectives identified for 13 Societal Benefit Areas (SBA) including Weather, Climate, Disasters, Oceans and Coastal Resources, and Water Resources. This effort culminated in the first National Plan for Civil Earth Observations. NOAA conducted NOSIA-II starting in 2012 to extend the NOSIA methodology across all of NOAA's Mission Service Areas, covering a representative sample (over 1000) of NOAA's products and services. The detailed information from NOSIA-II is being integrated into EOA 2016 to underpin a broad array of Key Products, Services, and (science) Objectives (KPSO) identified by the inter-agency SBA teams. EOA 2016 is expected to provide substantially greater insight into the cross-agency impacts of observing systems contributing to a wide array of KPSOs, and by extension, to societal benefits flowing from these public-facing products. NOSIA-II is being adopted by NOAA as a corporate decision-analysis and support capability to inform leadership decisions on its integrated observing systems portfolio. Application examples include assessing the agency-wide impacts of planned decommissioning of ships and aircraft in NOAA's fleet, and the relative cost-effectiveness of alternative space-based architectures in the post-GOES-R and JPSS era
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NOAA Electronic Navigational Charts (ENC)
National Oceanic and Atmospheric Administration, Department of Commerce — The Office of Coast Survey (OCS) has been involved in the development of a NOAA Electronic Navigational Chart (NOAA ENC) suite to support the marine transportation...
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Gulf of Alaska Acoustic-Trawl Surveys of Walleye Pollock (DY1201, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock on the U.S. and Russian Bering Sea Shelf (DY1006, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock in the Gulf of Alaska (DY1503, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock in the Eastern Bering Sea (DY1608, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1506, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock in the Gulf of Alaska (DY1604, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1506, ME70)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Surveys of Walleye Pollock (DY1001, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock on the U.S. and Russian Bering Sea Shelf (DY1207, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1403, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1401, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Surveys of Walleye Pollock (DY1203, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Surveys of Walleye Pollock in the Central Gulf of Alaska (DY0904, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1303, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1307, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Assessment of Rockfish Species in Untrawlable Habitat in the Gulf of Alaska (DY0912, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Surveys of Walleye Pollock (DY1002, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Surveys of Walleye Pollock in the Central Gulf of Alaska (DY0904, ME70)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-trawl (AT) survey of Walleye Pollock in the Gulf of Alaska (DY1502, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock in the Gulf of Alaska (OD0501, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock on the U.S. and Russian Bering Sea Shelf (DY0909, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock in the Gulf of Alaska (MF0309, EK500)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1302, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Gulf of Alaska Acoustic-Trawl Survey of Walleye Pollock (DY1602, EK60)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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2010-06-22
... Amendment 30A, and other supporting documentation may be obtained from Rich Malinowski, NMFS, Southeast... INFORMATION CONTACT: Rich Malinowski, telephone: 727-824- 5305, e-mail Rich.Malinowski@noaa.gov...
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2012-07-19
... submitting comments. Mail: Rich Malinowski, Southeast Regional Office, NMFS, 263 13th Avenue South, St...: Rich Malinowski, Southeast Regional Office, telephone 727-824-5305, email rich.malinowski@noaa.gov...
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2011-04-29
... Amendment 30A, and other supporting documentation may be obtained from Rich Malinowski, NMFS, Southeast... INFORMATION CONTACT: Rich Malinowski, telephone: 727-824- 5305, e-mail Rich.Malinowski@noaa.gov...
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Gulf of Alaska Acoustic-Trawl Surveys of Walleye Pollock (DY0901, ME70)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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Acoustic-Trawl Survey of Walleye Pollock on the U.S. and Russian Bering Sea Shelf (DY0909, ME70)
National Oceanic and Atmospheric Administration, Department of Commerce — The Midwater Assessment and Conservation Engineering (MACE) program of NOAA National Marine Fisheries Service (NMFS), Alaska Fisheries Science Center (AFSC)...
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MODELING CREDIT RISK THROUGH CREDIT SCORING
Adrian Cantemir CALIN; Oana Cristina POPOVICI
2014-01-01
Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the structural approach and the reduced form approach. In addition to these perspectives, credit risk assessment has been conducted through a series of techniques such as credit scoring models, which form the traditional approach. This paper examines the evolution of...
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75 FR 61424 - Endangered Species; File No. 15596
2010-10-05
... the Applications and Permits for Protected Species (APPS) home page, https://apps.nmfs.noaa.gov , and... maintenance and educational display of five captive-bred, non-releaseable adult shortnose sturgeon. This...
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77 FR 14736 - Caribbean Fishery Management Council; Public Meetings
2012-03-13
.... Virgin Islands--DPNR --NOAA/NMFS --U.S. Coast Guard Administrative Committee Recommendations Meetings.... Although non-emergency issues not contained in this agenda may come before this group for discussion, those...
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15 CFR 995.28 - Use of NOAA emblem.
2010-01-01
... 15 Commerce and Foreign Trade 3 2010-01-01 2010-01-01 false Use of NOAA emblem. 995.28 Section 995... REQUIREMENTS FOR NOAA HYDROGRAPHIC PRODUCTS AND SERVICES CERTIFICATION REQUIREMENTS FOR DISTRIBUTORS OF NOAA HYDROGRAPHIC PRODUCTS Requirements for Certified Distributors and Value Added Distributors of NOAA ENC Products...
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2013-06-20
..., 2013, until 12:01 a.m., local time, January 1, 2014. FOR FURTHER INFORMATION CONTACT: Rich Malinowski, telephone: 727-824- 5305, or email: Rich.Malinowski@noaa.gov . SUPPLEMENTARY INFORMATION: NMFS manages the...
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75 FR 13084 - Caribbean Fishery Management Council; Public Meetings
2010-03-18
... - DNER - U.S. Virgin Islands - DPNR - NOAA/NMFS - U.S. Coast Guard Administrative Committee... contained in this agenda may come before this group for discussion, those issues may not be subjects for...
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2010-10-01
... or downloaded from the Southwest Region home page (http://swr.nmfs.noaa.gov/permits.htm) to apply for... the vessel is fishing for, taking, retaining, possessing, or landing HMS shoreward of the outer...
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2010-09-03
... Environmental Policy Act and the IRFA are available at http://swr.nmfs.noaa.gov/ or may be obtained from Rod..., United States, Vanuatu, and Venezuela. The current Cooperating Non-Parties, Cooperating Fishing Entities...
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AFSC/REFM: North Pacific Groundfish Diet Data 1981-present, Aydin, K.
National Oceanic and Atmospheric Administration, Department of Commerce — Groundfish diet data collected during the Alaska Fisheries Science Center (NOAA/NMFS) groundfish surveys in the eastern Bering Sea, Aleutian Islands, and Gulf of...
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Advancing NOAA NWS Arctic Program Development
Timofeyeva-Livezey, M. M.; Horsfall, F. M. C.; Meyers, J. C.; Churma, M.; Thoman, R.
2016-12-01
Environmental changes in the Arctic require changes in the way the National Oceanic and Atmospheric Administration (NOAA) delivers hydrological and meteorological information to prepare the region's societies and indigenous population for emerging challenges. These challenges include changing weather patterns, changes in the timing and extent of sea ice, accelerated soil erosion due to permafrost decline, increasing coastal vulnerably, and changes in the traditional food supply. The decline in Arctic sea ice is opening new opportunities for exploitation of natural resources, commerce, tourism, and military interest. These societal challenges and economic opportunities call for a NOAA integrated approach for delivery of environmental information including climate, water, and weather data, forecasts, and warnings. Presently the NOAA Arctic Task Force provides leadership in programmatic coordination across NOAA line offices. National Weather Service (NWS) Alaska Region and the National Centers for Environmental Prediction (NCEP) provide the foundational operational hydro-meteorological products and services in the Arctic. Starting in 2016, NOAA's NWS will work toward improving its role in programmatic coordination and development through assembling an NWS Arctic Task Team. The team will foster ties in the Arctic between the 11 NWS national service programs in climate, water, and weather information, as well as between Arctic programs in NWS and other NOAA line offices and external partners. One of the team outcomes is improving decision support tools for the Arctic. The Local Climate Analysis Tool (LCAT) currently has more than 1100 registered users, including NOAA staff and technical partners. The tool has been available online since 2013 (http://nws.weather.gov/lcat/ ). The tool links trusted, recommended NOAA data and analytical capabilities to assess impacts of climate variability and climate change at local levels. A new capability currently being developed will
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NOAA Seamless Raster Navigational Charts (RNC)
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Seamless Raster Chart Server provides a seamless collarless mosaic of the NOAA Raster Navigational Charts (RNC). The RNC are a collection of approximately...
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National Oceanic and Atmospheric Administration, Department of Commerce — This dataset contains crab data from a field survey of Chionoecetes spp. collected during the 2016 NOAA/NMFS/AFSC/RACE groundfish and invertebrate resources bottom...
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76 FR 49452 - Caribbean Fishery Management Council; Public Meeting
2011-08-10
... Reports: --Puerto Rico--DNER; --U.S. Virgin Islands--DPNR; --NOAA/NMFS; --U.S. Coast Guard. Administrative... contained in this agenda may come before this group for discussion, those issues may not be subjects for...
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75 FR 65453 - Caribbean Fishery Management Council; Public Meeting
2010-10-25
... Dunn. Enforcement Reports. --Puerto Rico. --U.S. Virgin Islands--DPNR. --NOAA/NMFS. --U.S. Coast Guard... contained in this agenda may come before this group for discussion, those issues may not be subjects for...
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77 FR 46409 - Caribbean Fishery Management Council; Public Meetings
2012-08-03
.... Enforcement Reports. --Puerto Rico--DNER --U.S. Virgin Islands--DPNR --NOAA/NMFS --U.S. Coast Guard... contained in this agenda may come before this group for discussion, those issues may not be subjects for...
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A Fast Response Capability within NOAA/NOS/CO-OPS
2007-01-01
A Fast Response Capability within NOAA/NOS/CO-OPS P. B. Burke NOAA/National Ocean Service/CO-OPS 1305 East-West Hwy. Silver Spring, MD 20910...USA pat.burke@noaa.gov T. Graff NOAA/National Ocean Service/CO-OPS 1305 East-West Hwy. Silver Spring, MD 20910 USA tammy.graff@noaa.gov... flotation hull, an instrumentation tower mounted atop the hull and a current meter mount with a mooring attachment. The triangular tower housed two
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75 FR 69920 - (NOAA) Science Advisory Board (SAB)
2010-11-16
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration (NOAA) Science Advisory... Administration (NOAA), Department of Commerce (DOC). ACTION: Notice of open meeting. SUMMARY: The Science... Administration (NOAA) science programs are of the highest quality and provide optimal support to resource...
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78 FR 16254 - (NOAA) Science Advisory Board (SAB)
2013-03-14
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration (NOAA) Science Advisory... Administration (NOAA), Department of Commerce (DOC). ACTION: Notice of open meeting. SUMMARY: The Science... Administration (NOAA) science programs are of the highest quality and provide optimal support to resource...
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NOAA's Big Data Partnership and Applications to Ocean Sciences
Kearns, E. J.
2016-02-01
New opportunities for the distribution of NOAA's oceanographic and other environmental data are being explored through NOAA's Big Data Partnership (BDP) with Amazon Web Services, Google Cloud Platform, IBM, Microsoft Corp. and the Open Cloud Consortium. This partnership was established in April 2015 through Cooperative Research and Development Agreements, and is seeking new, financially self-sustaining collaborations between the Partners and the federal government centered upon NOAA's data and their potential value in the information marketplace. We will discuss emerging opportunities for collaboration among businesses and NOAA, progress in making NOAA's ocean data more widely accessible through the Partnerships, and applications based upon this access to NOAA's data.
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de la Beaujardiere, J.
2014-12-01
In February 2014, the US National Oceanic and Atmospheric Administration (NOAA) issued a Big Data Request for Information (RFI) from industry and other organizations (e.g., non-profits, research laboratories, and universities) to assess capability and interest in establishing partnerships to position a copy of NOAA's vast data holdings in the Cloud, co-located with easy and affordable access to analytical capabilities. This RFI was motivated by a number of concerns. First, NOAA's data facilities do not necessarily have sufficient network infrastructure to transmit all available observations and numerical model outputs to all potential users, or sufficient infrastructure to support simultaneous computation by many users. Second, the available data are distributed across multiple services and data facilities, making it difficult to find and integrate data for cross-domain analysis and decision-making. Third, large datasets require users to have substantial network, storage, and computing capabilities of their own in order to fully interact with and exploit the latent value of the data. Finally, there may be commercial opportunities for value-added products and services derived from our data. Putting a working copy of data in the Cloud outside of NOAA's internal networks and infrastructures should reduce demands and risks on our systems, and should enable users to interact with multiple datasets and create new lines of business (much like the industries built on government-furnished weather or GPS data). The NOAA Big Data RFI therefore solicited information on technical and business approaches regarding possible partnership(s) that -- at no net cost to the government and minimum impact on existing data facilities -- would unleash the commercial potential of its environmental observations and model outputs. NOAA would retain the master archival copy of its data. Commercial partners would not be permitted to charge fees for access to the NOAA data they receive, but
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NOAA's operational path forward: Developing the Coyote UASonde
Cione, J.; Twining, K.; Silah, M.; Brescia, T.; Kalina, E.; Farber, A.; Troudt, C.; Ghanooni, A.; Baker, B.; Dumas, E. J.; Hock, T. F.; Smith, J.; French, J.; Fairall, C. W.; deBoer, G.; Bland, G.
2016-12-01
Since 2009, NOAA has shown an interest in using the air-deployed Coyote Unmanned Aircraft System (UAS) for low-altitude hurricane reconnaissance. In September of 2014, NOAA conducted two successful missions into Hurricane Edouard using this innovative observing tool. Since then, NOAA has continued to invest time and resources into the Coyote platform. These efforts include plans to release up to 7 additional Coyote UAS into tropical cyclones using NOAA's P-3 Hurricane Hunter manned aircraft in 2016. A longer-term goal for this multi-institutional partnership will be to modify the existing UAS design such that the next generation platform will be capable of conducting routine observations in direct support of a wide array of NOAA operations that extend beyond hurricane surveillance. The vision for this potentially transformative platform, dubbed the Coyote UASonde, will be to heavily leverage NOAA's existing capabilities, incorporate significant upgrades to the existing payload and employ an expert navigation and data communication system that utilizes artificial intelligence. A brief summary of Coyote successes to date as well as a future roadmap that leads NOAA towards an operationally-viable Coyote UASonde will be presented.
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National Oceanic and Atmospheric Administration, Department of Commerce — This accession consists of nutrient data from Long Island Sound provided by Mr. Robert N. Reid from NOAA/NMFS Sandy Hook Laboratory. The data were collected from...
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NOAA Education Partnerships 2013 Portfolio Review. Final Report
Payne, Diana L.; Baek, John Y.
2014-01-01
This Partnerships Working Group (PWG) study responds to recommendations from the National Research Council's (NRC) NOAA's Education Program: Review and Critique (2010) for NOAA to better understand how NOAA Education partnerships are formed, fostered, sustained, and evaluated. The NRC report noted that while partnerships were mentioned as a means…
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de la Beaujardiere, J.
2015-12-01
The US National Oceanic and Atmospheric Administration (NOAA) is a Big Data producer, generating tens of terabytes per day from hundreds of sensors on satellites, radars, aircraft, ships, and buoys, and from numerical models. These data are of critical importance and value for NOAA's mission to understand and predict changes in climate, weather, oceans, and coasts. In order to facilitate extracting additional value from this information, NOAA has established Cooperative Research and Development Agreements (CRADAs) with five Infrastructure-as-a-Service (IaaS) providers — Amazon, Google, IBM, Microsoft, Open Cloud Consortium — to determine whether hosting NOAA data in publicly-accessible Clouds alongside on-demand computational capability stimulates the creation of new value-added products and services and lines of business based on the data, and if the revenue generated by these new applications can support the costs of data transmission and hosting. Each IaaS provider is the anchor of a "Data Alliance" which organizations or entrepreneurs can join to develop and test new business or research avenues. This presentation will report on progress and lessons learned during the first 6 months of the 3-year CRADAs.
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Credit-proofing fundamentals for a solid credit policy
Energy Technology Data Exchange (ETDEWEB)
Lydiatt, I. [KeySpan Energy Canada, Calgary, AB (Canada)
2003-07-01
This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab.
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Credit-proofing fundamentals for a solid credit policy
International Nuclear Information System (INIS)
Lydiatt, I.
2003-01-01
This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab
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78 FR 52508 - Mid-Atlantic Fishery Management Council; Public Meeting
2013-08-23
... Fishery Management Council; Public Meeting AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice of public meeting. SUMMARY: The...) will meet to develop recommendations for Georges Bank yellowtail flounder accountability measures...
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77 FR 63296 - Fisheries of the Northeast Region
2012-10-16
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XC159 Fisheries of the Northeast Region AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notification of determination of overfishing and...
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77 FR 31327 - Pacific Fishery Management Council; Public Meeting
2012-05-25
... Fishery Management Council; Public Meeting AGENCY: National Marine Fisheries Service (NMFS), National... fisheries, including Columbia River fisheries issues, the NOAA Habitat Blueprint, and the Council's.... Thompson, Acting Director, Office of Sustainable Fisheries, National Marine Fisheries Service. [FR Doc...
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2010-12-09
... AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA... be applied over the recovery period; however, such adaptive management measures should balance... current available information. It is recognized that fish dealers, restaurants, and other establishments...
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77 FR 33443 - National Oceanic and Atmospheric Administration
2012-06-06
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration Pacific Fishery Management Council; Public Meeting AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice of public meeting. SUMMARY: The panel to review assessment...
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Traditional Knowledge Strengthens NOAA's Environmental Education
Stovall, W. K.; McBride, M. A.; Lewinski, S.; Bennett, S.
2010-12-01
Environmental education efforts are increasingly recognizing the value of traditional knowledge, or indigenous science, as a basis to teach the importance of stewardship. The National Oceanic and Atmospheric Administration (NOAA) Pacific Services Center incorporates Polynesian indigenous science into formal and informal education components of its environmental literacy program. By presenting indigenous science side by side with NOAA science, it becomes clear that the scientific results are the same, although the methods may differ. The platforms for these tools span a vast spectrum, utilizing media from 3-D visualizations to storytelling and lecture. Navigating the Pacific Islands is a Second Life project in which users navigate a virtual Polynesian voyaging canoe between two islands, one featuring native Hawaiian practices and the other where users learn about NOAA research and ships. In partnership with the University of Hawai‘i Waikiki Aquarium, the Nana I Ke Kai (Look to the Sea) series focuses on connecting culture and science during cross-discipline, publicly held discussions between cultural practitioners and research scientists. The Indigenous Science Video Series is a multi-use, animated collection of short films that showcase the efforts of NOAA fisheries management and ship navigation in combination with the accompanying Polynesian perspectives. Formal education resources and lesson plans for grades 3-5 focusing on marine science have also been developed and incorporate indigenous science practices as examples of conservation success. By merging traditional knowledge and stewardship practices with NOAA science in educational tools and resources, NOAA's Pacific Services Center is helping to build and increase environmental literacy through the development of educational tools and resources that are applicable to place-based understanding and approaches.
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Critical Review of NOAA's Observation Requirements Process
LaJoie, M.; Yapur, M.; Vo, T.; Templeton, A.; Bludis, D.
2017-12-01
NOAA's Observing Systems Council (NOSC) maintains a comprehensive database of user observation requirements. The requirements collection process engages NOAA subject matter experts to document and effectively communicate the specific environmental observation measurements (parameters and attributes) needed to produce operational products and pursue research objectives. User observation requirements documented using a structured and standardized manner and framework enables NOAA to assess its needs across organizational lines in an impartial, objective, and transparent manner. This structure provides the foundation for: selecting, designing, developing, acquiring observing technologies, systems and architectures; budget and contract formulation and decision-making; and assessing in a repeatable fashion the productivity, efficiency and optimization of NOAA's observing system enterprise. User observation requirements are captured independently from observing technologies. Therefore, they can be addressed by a variety of current or expected observing capabilities and allow flexibility to be remapped to new and evolving technologies. NOAA's current inventory of user observation requirements were collected over a ten-year period, and there have been many changes in policies, mission priorities, and funding levels during this time. In light of these changes, the NOSC initiated a critical, in-depth review to examine all aspects of user observation requirements and associated processes during 2017. This presentation provides background on the NOAA requirements process, major milestones and outcomes of the critical review, and plans for evolving and connecting observing requirements processes in the next year.
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CO2 credit or energy credit in emission trading?
International Nuclear Information System (INIS)
Hu, E.
2002-01-01
Emission trading is a good concept and approach to tackle global warming. However, what ''currency'' or ''credit'' should be used in the trading has remained a debatable topic. This paper proposed an ''Energy Credit'' concept as an alternative to the ''CO 2 credit'' that is currently in place. From the thermodynamic point of view, the global warming problem is an ''energy balance'' problem. The energy credit concept is thought to be more thermodynamically correct and tackles the core of the global warming problem more directly. The Energy credit concept proposed can be defined as: the credit to offset the extra energy trapped/absorbed in the earth (and its atmosphere) due to the extra anthropogenic emission (or other activities) by a country or company. A couple of examples are given in the paper to demonstrate the concept of the Energy credit and its advantages over the CO 2 credit concept. (author)
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77 FR 31329 - Northeast Fisheries Science Center, Woods, Hole, MA; Public Meeting/Workshop
2012-05-25
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration Northeast Fisheries Science Center, Woods, Hole, MA; Public Meeting/Workshop AGENCY: National Marine Fisheries Service (NMFS.../workshop. SUMMARY: NOAA's Northeast Fisheries Science Center will sponsor a workshop to address the stock...
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78 FR 64480 - Fisheries of the Northeast Region
2013-10-29
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XC866 Fisheries of the Northeast Region AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notification of a determination of overfishing or an...
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2013-02-08
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration 50 CFR Part 665 RIN 0648-XC453 Hawaii Crustacean Fisheries; 2013 Northwestern Hawaiian Islands Lobster Harvest Guideline AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce...
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2011-01-26
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration 50 CFR Part 665 RIN 0648-XA159 Hawaii Crustacean Fisheries; 2011 Northwestern Hawaiian Islands Lobster Harvest Guideline AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce...
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2011-07-14
... requirements, many marine animals may need to remain in areas where they are exposed to chronic stimuli... Marine Mammals Incidental to Specified Activities; Taking Marine Mammals Incidental to a Marine... Atmospheric Administration (NOAA), National Marine Fisheries Service (NMFS). ACTION: Notice; proposed...
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75 FR 25205 - Endangered and Threatened Species; Take of Anadromous Fish
2010-05-07
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XW33 Endangered and Threatened Species; Take of Anadromous Fish AGENCY: NOAA's National Marine Fisheries Service (NMFS... permit. Dated: May 4, 2010. Therese Conant, Acting Chief, Endangered Species Division, Office of...
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2012-07-03
... . Follow the ``Instructions'' for submitting comments. Mail: Rich Malinowski, Southeast Regional Office....gov . FOR FURTHER INFORMATION CONTACT: Rich Malinowski, Southeast Regional Office, NMFS, telephone 727-824-5305; email: rich.malinowski@noaa.gov . SUPPLEMENTARY INFORMATION: The Reef fish fishery of the...
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2013-08-12
... PRIA. Objective 3. Promote regional cooperation to manage domestic and international fisheries, by... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XC792 Western... Administration (NOAA), Commerce. ACTION: Notice of agency decision. SUMMARY: NMFS announces approval of a marine...
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2013-04-30
... towards accomplishing the objectives listed therein. The presentation will be followed by a discussion... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XC621 Atlantic... Administration (NOAA), Commerce. ACTION: Announcement of public conference call and webinar. SUMMARY: NMFS will...
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National Oceanic and Atmospheric Administration, Department of Commerce — Zooplankton biomass (displacement volume) data collected during the NMFS Marine Mammal Survey program from Pacific Ocean from 1998-08-03 to 2006-12-05, data were...
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15 CFR 911.5 - NOAA Data Collection Systems Use Agreements.
2010-01-01
... 15 Commerce and Foreign Trade 3 2010-01-01 2010-01-01 false NOAA Data Collection Systems Use... POLICIES AND PROCEDURES CONCERNING USE OF THE NOAA SPACE-BASED DATA COLLECTION SYSTEMS § 911.5 NOAA Data Collection Systems Use Agreements. (a)(1) In order to use a NOAA DCS, each user must have an agreement with...
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NOAA-L satellite arrives at Vandenberg AFB
2000-01-01
Outside the B16-10 spacecraft processing hangar at Vandenberg Air Force Base, Calif., a crated National Oceanic and Atmospheric Administration (NOAA-L) satellite is lowered to the ground before being moved inside. NOAA-L is part of the Polar-Orbiting Operational Environmental Satellite (POES) program that provides atmospheric measurements of temperature, humidity, ozone and cloud images, tracking weather patterns that affect the global weather and climate. The launch of the NOAA-L satellite is scheduled no earlier than Sept. 12 aboard a Lockheed Martin Titan II rocket. 15 CFR 996.30 - Use of the NOAA emblem.
2010-01-01
... 15 Commerce and Foreign Trade 3 2010-01-01 2010-01-01 false Use of the NOAA emblem. 996.30 Section... REQUIREMENTS FOR NOAA HYDROGRAPHIC PRODUCTS AND SERVICES QUALITY ASSURANCE AND CERTIFICATION REQUIREMENTS FOR NOAA HYDROGRAPHIC PRODUCTS AND SERVICES Other Quality Assurance Program Matters § 996.30 Use of the...
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78 FR 26616 - Draft NOAA Five Year Research and Development Plan
2013-05-07
... DEPARTMENT OF COMMERCE Draft NOAA Five Year Research and Development Plan AGENCY: National Oceanic and Atmospheric Administration (NOAA), Department of Commerce (DOC). ACTION: Draft NOAA Five Year Research and Development Plan for Public Review. SUMMARY: NOAA's draft Five Year Research and Development...
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2010-08-03
..., Effects of Sound on Hearing of Marine Animals, and Passive Acoustic Detection, Classification, and.... 0907281180-0269-02] RIN 0648-AX90 Taking and Importing Marine Mammals; Military Training Activities and...: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce...
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2010-03-05
... Atlantic Shark Identification Workshops and Protected Species Safe Handling, Release, and Identification... (NOAA), Commerce. ACTION: Notice of public workshops. SUMMARY: NMFS announces free Atlantic Shark... April, May, and June of 2010. Certain fishermen and shark dealers are required to attend a workshop to...
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76 FR 23996 - North Pacific Fishery Management Council Public Meeting
2011-04-29
... species catch report), NMFS Management Report (update on Steller Sea Lion Research), Alaska Department of Fish & Game Report, NOAA Enforcement Report, United States Coast Guard Report, United States Fish... Fish Habitat (EFH): Review habitat conservation area boundary; review report on Northern Bering Sea...
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15 CFR 904.509 - Disposal of forfeited property.
2010-01-01
..., educational, public display and museum communities. Other branches of NMFS, NOAA, the Department of Commerce... the laws governing possession and transfer of the property. (5) Temporary reloans; documents to accompany property. Temporary reloans by the borrower to another qualified borrower (as for temporary...
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2010-11-26
... the application are available by writing to Michael Payne, Chief, Permits, Conservation and Education...) warfare training, including bombing, strafing, special (laser systems) weapons; surface fires using non... Guidelines designed to prevent harassment to marine mammals ( http://www.nmfs.noaa.gov/pr/education/southeast...
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National Oceanic and Atmospheric Administration, Department of Commerce — Welcome to the NMFS NOAA Map Viewer. This is a quick navigation. In the toolbar, you see the options to: • View Legend • Identify • Print Map • Add Layers • Change...
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78 FR 23222 - Endangered and Threatened Species; Take of Anadromous Fish
2013-04-18
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XC630 Endangered and Threatened Species; Take of Anadromous Fish AGENCY: NOAA's National Marine Fisheries Service (NMFS... CFR parts 222-226) governing listed fish and wildlife permits. Species Covered in This Notice This...
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75 FR 2197 - Western Pacific Fisheries; Regulatory Restructuring
2010-01-14
... AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA..., and Western Pacific Pelagics), and the Final Programmatic Environmental Impact Statement (PEIS) that... Section 3507 of the PRA requires that agencies inventory and display a current control number assigned by...
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Review of Research on Credit Risk Management for Rural Credit Cooperatives
Directory of Open Access Journals (Sweden)
Xin Song
2017-03-01
Full Text Available With the rapid development of rural micro-credit, whether the qagriculture, rural areas and farmersq problems have been effectively solved, whether the credit risk has been effectively controlled, these have become the focus of our attention to the rural economic environment. The main content of this paper contains four aspects: the classification and characteristics of credit risk, the problems and factors of credit risk, the model and evaluation of credit risk, the countermeasures and suggestions of credit risk. This paper reviews the research of credit risk management for rural credit cooperatives from the above four aspects, and makes a brief summary.
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Credit concession through credit scoring: Analysis and application proposal
Directory of Open Access Journals (Sweden)
Oriol Amat
2017-01-01
Full Text Available Purpose: The study herein develops and tests a credit scoring model which can help financial institutions in assessing credit requests. Design/methodology/approach: The empirical study has the objective of answering two questions: (1 Which ratios better discriminate the companies based on their being solvent or insolvent? and (2 What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been used (Multivariate Analysis of Variance, Linear Discriminant Analysis, Logit and Probit Models. Several samples of companies have been used in order to obtain and to test the model. Findings: Through the application of several statistical techniques, the credit scoring model has been proved to be effective in discriminating between good and bad creditors. Research limitations: This study focuses on manufacturing, commercial and services companies of all sizes in Spain; Therefore, the conclusions may differ for other geographical locations. Practical implications: Because credit is one of the main drivers of growth, a solid credit scoring model can help financial institutions assessing to whom to grant credit and to whom not to grant credit. Social implications: Because of the growing importance of credit for our society and the fear of granting it due to the latest financial turmoil, a solid credit scoring model can strengthen the trust toward the financial institutions assessment’s. Originality/value: There is already a stream of literature related to credit scoring. However, this paper focuses on Spanish firms and proves the results of our model based on real data. The application of the model to detect the probability of default in loans is original.
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2010-02-01
... scheduled as follows: Wednesday, March 3, 2010, 6-8 p.m., City of Portland's Water Pollution Control... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XT38 Notice of... Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice of intent...
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2013-11-01
...-BD03 Fisheries of the Exclusive Economic Zone Off Alaska; Bering Sea and Aleutian Islands Management... Administration (NOAA), Commerce. ACTION: Notice of availability of fishery management plan amendment; request for comments. SUMMARY: NMFS announces that the North Pacific Fishery Management Council (Council) has submitted...
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77 FR 2039 - North Pacific Fishery Management Council; Public Meetings
2012-01-13
...)). NMFS Management Report (including update on Essential Fish Habitat (EFH) process) Alaska Department of Fish & Game Report NOAA Enforcement Report United States Coast Guard Report United States Fish... (Steller Sea Lion (SSL) Center of Independent Experts (CIE) Terms of Reference). 2. Final action to allow...
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2012-04-06
... sensitive or protected information. NMFS will accept anonymous comments (enter ``N/A'' in the required fields if you wish to remain anonymous). Attachments to electronic comments will be accepted in Microsoft...-2010-0258. By visiting the Internet at: http://alaskafisheries.noaa.gov/protectedresources/seals/ice...
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2010-05-14
... estimate projected recreational landings for the 2010 fishing year by using a simple linear regression of..., including the Environmental Assessment (EA) and the Initial Regulatory Flexibility Analysis (IRFA) are... via the Internet at http://www.nero.noaa.gov . NMFS prepared a Final Regulatory Flexibility Analysis...
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2011-08-19
... be obtained from Rich Malinowski, NMFS, Southeast Regional Office, 263 13th Avenue South, St. Petersburg, FL 33701; telephone: 727-824-5305. FOR FURTHER INFORMATION CONTACT: Rich Malinowski, telephone: 727-824- 5305, e-mail Rich.Malinowski@noaa.gov . SUPPLEMENTARY INFORMATION: The reef fish fishery of...
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After 10 years of service, NOAA retires GOES-12 satellite
NOAA HOME WEATHER OCEANS FISHERIES CHARTING SATELLITES CLIMATE RESEARCH COASTS CAREERS National oceans. In addition to GOES, NOAA also operates the polar operational environmental satellite (POES spacecraft. NOAA's mission is to understand and predict changes in the Earth's environment, from the depths
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Credit Monitoring – a Core of Credit Risk Management: Theory and Experience
Directory of Open Access Journals (Sweden)
Daiva Jurevičienė
2013-11-01
Full Text Available Purpose of the article: Purpose of the article is to identify credit monitoring as a keystone of credit risk management in banks. CRM is widely discussed in scientific literature and in reports of institutions undertaking credit risk or supervisory bodies. However majority of such investigations are based on implementation of numerous quantitative or qualitative methods used for credit risk assessment before granting a loan or for credit portfolio risk management. There is a lack of information or investigations made on estimation of the need of credit monitoring in credit risk management process. Scientific aim: Scientific aim is to structure the early warning signs that reflect the condition of credits. Methodology/methods: The paper is based on analysis and resumption of various scientific and professional articles related to organization of credit process in banks. It combines results of assessments of credit monitoring importance in credit risk management process made by theoretical studies as well as investigation of experts. Findings: Finding of the article is presentation of credit monitoring tools that should be applied for corporate (and individual clients via modification of original credit agreement. Conclusions: (limits, implications etc Conclusion of the article is that credit monitoring is a keystone in credit risk management process. The purpose of credit monitoring is to detect in time possible worsening of the loan and to react (make changes in loan agreement. The simplest tool for credit monitoring is to identify early warning signs in time that could be assorted into four groups: EWS of business environment; EWS with regard to management, EWS regarding collateral, EWS in financial analysis. Limitation of investigation is impossibility of evaluation of importance of monitoring process in practice except investigation of experts (employees directly responsible for credit business.
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African Journals Online (AJOL)
stooppn
purposes of the National Credit Act; what the definition of a credit guarantee set out ...... Scholtz et al National Credit Act in para 8.2.4; Scott et al Law of Commerce ..... Eitelberg E "Autonomy of Documentary Credit Undertakings in South African.
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Proposed NOAA Budget Includes Hefty Increase for Satellites
Showstack, Randy
2010-03-01
The Obama administration's proposed fiscal year (FY) 2011 budget for the U.S. National Oceanic and Atmospheric Administration (NOAA) would provide the agency with $5.55 billion, which represents a total increase of $806.1 million, or 17% above the FY 2010 budget enacted by Congress. At a February briefing about the budget, NOAA administrator Jane Lubchenco said the budget is a very good package for the agency and that it reflects the administration's commitment to the environment, science, public safety, and job creation. Noting that the agency's budget remained essentially flat between FY 2005 and FY 2008 during the George W. Bush administration, Lubchenco said, “the increasing demand for NOAA's services, coupled with a static budget, created a major challenge for NOAA in delivering on expectations.” She said the funding picture for the agency improved with the FY 2009 and FY 2010 enacted budgets. Lubchenco noted that the proposed budget would include $949 million for research and development, an $82 million increase, adding, “Our 2011 request for each line office [within NOAA] is higher than it was in 2010, and we are better aligned with congressional funding levels than in previous budgets.”
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Formal and Informal Credit Markets and Rural Credit Demand in China
Tang, Sai; Guan, Zhengfei; Jin, Songqing
2010-01-01
Credit markets are an essential economic institution. In developing countries, particularly in countries undergoing rapid social and economic transition, it is important to identify emerging credit demand and institute credit supply in a timely manner to facilitate economic transformation. This research focuses on the evolving rural credit market in China, where borrowing from the social network has been common but the recent economic transition has made this informal credit market inadequate...
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77 FR 31835 - Marine Mammals; File No. 16580
2012-05-30
... Public Comment'' from the Features box on the Applications and Permits for Protected Species (APPS) home page, https://apps.nmfs.noaa.gov , and then selecting File No. 16580 from the list of available.... Marine mammal parts will be used incidentally for educational purposes. Import/export activities would...
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76 FR 61090 - Endangered and Threatened Species; Counterpart Regulations
2011-10-03
..., National Fire Plan Counterpart Regulation Alternative Consultation Agreements (ACAs). DATES: This is effective on October 1, 2011. ADDRESSES: The final decision of revocation is available on the internet at http://www.nmfs.noaa.gov/pr/laws/esa/policies.htm#consultation and http://www.fws.gov/endangered/esa...
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2012-10-03
...-XC099 Harbor Porpoise Take Reduction Plan; Coastal Gulf of Maine Closure Area Established With a... Atmospheric Administration (NOAA), Commerce. ACTION: Establishment of the Coastal Gulf of Maine Closure Area... Service (NMFS) announces the establishment of the Coastal Gulf of Maine Closure Area under the Harbor...
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2010-01-12
... Cook Inlet Beluga Whale AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and... designate critical habitat for the endangered Cook Inlet beluga whale, Delphinapterus leucas, under the... the Cook Inlet beluga whale can be found on our Web site at: http://www.fakr.noaa.gov/ FOR FURTHER...
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2011-08-03
... Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Proposed... 268,089 lb (121,603 kg). In general, the relative importance of MHI bottomfish to commercial participants as a percentage of overall fishing or household income is unknown, as the total suite of fishing...
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2013-03-05
... documentation may be obtained from Rich Malinowski, NMFS, Southeast Regional Office, 263 13th Avenue South, St. Petersburg, FL 33701; telephone: 727-824-5305. FOR FURTHER INFORMATION CONTACT: Rich Malinowski, telephone: 727-824- 5305, or email: Rich.Malinowski@noaa.gov . SUPPLEMENTARY INFORMATION: The reef fish fishery...
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77 FR 19647 - Western Pacific Fishery Management Council; Public Meetings
2012-04-02
... Production to Reduce Trade Deficits. c. Bilateral Agreements (Mexico, Canada, Others). 17. Budgets. a. FY2012... meeting is to enable NMFS and NOAA officials and others to exchange information with the Regional Fishery... Fisheries Management--Past, Present and Future. 6. Panel Discussion. 7. Litigation. a. Regional Fishery...
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2011-03-14
... address concerns raised in a recent decision by a NOAA Administrative Law Judge (see Atlantic Tunas Transfer at Sea section for case reference). NMFS has prepared a draft Environmental Assessment (EA... subtraction of these allocations directly from the TAC, the recommendation allocates the remainder to the UK...
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NOAA's Undergraduate Scholarship Program Outcomes and Opportunities
Kaplan, M.; Jabanoski, K.; Christenson, T.
2017-12-01
NOAA supports about 115 - 150 undergraduates per year through the Ernest F. Hollings Scholarship and the Educational Partnership Program Undergraduate Scholarship. These programs provide tuition support and paid summer internships at NOAA to exceptional students majoring in the geosciences. Multiple methods were used to evaluate program outcomes and track the career trajectories, including mining LinkedIn data and conducting evaluation surveys of recipients as well as students who applied but did not receive the award. Results show more than 75% of scholars continued on to graduate school, primarily in a NOAA mission fields. This compared to only 56% of nonrecipients. More than 60% of alumni had at least one professional record, with the most alumni working in private industry, followed by nongovernmental organizations and federal, state and local government. The evaluation identified 77 other scholarship programs applied to by NOAA scholarship recipients. The most commonly reported program was the NSF Research Experiences for Undergraduates (REU) for which 20% of scholars applied and 46% of applications were successful. Other common scholarships included the Goldwater Scholarship (received by 5% of NOAA scholars) and the Udall Scholarship (received by 4% of scholars). In the most recent class of 118 undergraduate scholars, 24% reported having another research experience by the time they arrived for orientation at the end of their sophomore year. These results suggest coordination across scholarship opportunities may be useful to engage and retain students in geoscience fields.
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Congressional Budget Office
2013-01-01
In 1975, the first refundable tax credit—the earned income tax credit (EITC)—took effect. Since then, the number and cost of refundable tax credits—credits that can result in net payments from the government—have grown considerably. Those credits will cost $149 billion in 2013, CBO estimates, mostly for the EITC and the child tax credit.
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2010-04-08
... Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC & Associates, Inc... collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the ``Manager'') and WNC & Associates, Inc... credit under the Internal Revenue Code of 1986, as amended. The Manager is a California limited liability...
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Introduction of Credit Derivatives and Valuation of Credit Default Swap
Han, Lu
2006-01-01
The credit derivative market was established at the beginning of the 1990s since the emergence of credit derivatives fits the rapid development of the whole derivatives market. However, compare to other derivative market, this market is still small and incomplete. As with other derivatives, credit derivatives can be used to either take more risk or hedge it, hence various credit derivatives instruments are accepted and widely used by market participants such as banks, insurance companies, etc...
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2012-10-01
... Atmospheric Administration (NOAA), Commerce. ACTION: Proposed rule; request for comments. SUMMARY: NMFS... border between the United States and Canada, the Hague Line, and is a U.S./Canada shared stock. The... promulgate emergency rules or interim measures ``to address the emergency or overfishing.'' (16 U.S.C. 1855(c...
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76 FR 4867 - Marine Mammals; File No. 15453
2011-01-27
... Public Comment'' from the Features box on the Applications and Permits for Protected Species (APPS) home page, https://apps.nmfs.noaa.gov , and then selecting File No. 15453 from the list of available... educational graphics about the Hawaiian monk seal. In compliance with the National Environmental Policy Act of...
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76 FR 15300 - Endangered Species; File Nos. 16266 and 16291
2011-03-21
... Features box on the Applications and Permits for Protected Species (APPS) home page, https://apps.nmfs.noaa... maintenance and educational display of eight captive-bred, non-releaseable adult shortnose sturgeon, as well... educational display of those specimens. Both displays would be used to increase public awareness of the...
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2013-12-27
... Guidance for Assessing the Effects of Anthropogenic Sound on Marine Mammals--Acoustic Threshold Levels for... available in electronic form via the Internet at http://www.nmfs.noaa.gov/pr/acoustics/ . You may submit...: Acoustic Guidance. Instructions: All comments received are a part of the public record and will generally...
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2011-03-24
... Information or otherwise sensitive or protected information. We will accept anonymous comments (enter N/A in the required fields, if you wish to remain anonymous). You may submit attachments to electronic...-4213 or from the Internet at http://swr.nmfs.noaa.gov/ . FOR FURTHER INFORMATION CONTACT: Craig Wingert...
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2011-08-30
... scientific information indicating significant increases in skate biomass. DATES: Public comments must be... may submit comments, identified by NOAA-NMFS-2011-0197, by any one of the following methods... from the resulting list and click on the ``Submit a Comment'' icon on the right of that line. Fax: (978...
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50 CFR 635.4 - Permits and fees.
2010-10-01
... fee is calculated in accordance with the procedures of the NOAA Finance Handbook, available from NMFS... company, its principal place of business, and mechanisms by which the company can be contacted. (ii) An... is owned by a corporation or partnership, the corporate or partnership documents requested on the...
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NOAA Emergency Response Imagery
National Oceanic and Atmospheric Administration, Department of Commerce — The imagery posted on this site is in response to natural disasters. The aerial photography missions were conducted by the NOAA Remote Sensing Division. The majority...
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75 FR 30383 - NOAA's Arctic Vision and Strategy; Comment Period Extension
2010-06-01
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XT64 NOAA's Arctic.... ACTION: Request for comments. SUMMARY: NOAA wishes to ensure its Arctic Vision and Strategy document..., and coastal communities. Though NOAA has numerous and diverse capabilities that support these emerging...
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NOAA Interest in Small Satellite Solutions for Mitigation of Data Gaps
Caulfield, M.; Tewey, K.; John, P.
2016-12-01
The National Oceanic and Atmospheric Administration (NOAA) is undertaking a strategy to achieve satellite constellation robustness by 2023 to maintain continuity of polar satellite observations, which are central to NOAA's weather forecast capability. NOAA's plans include mitigation activities in the event of a loss of polar observations. In 2017, NOAA will begin development of the Earth Observing Nanosatellite - Microwave (EON-MW). EON-MW is a miniature microwave sounder that approximates the atmospheric profiling capabilities of the Advanced Technology Microwave Sounder (ATMS) instrument on the NOAA Joint Polar Satellite System (JPSS). NOAA is collaborating with the Massachusetts Institute of Technology's Lincoln Laboratory (MIT / LL) on EON-MW, which includes 2 years of risk reduction efforts to further define the EON-MW mission and identify and manage key technical risks. These studies will refine designs and evaluate system trades for operational earth observations from a U-class satellite platform, as well as examine microwave sensor concepts and investigated payload architecture to support microwave frequencies for atmospheric remote sensing. Similar to EON-MW, NOAA is also investigating the potential to mitigate against the loss of the JPSS Cross Track Infrared Sounder (CrIS) data with a CubeSat based mid-wave Infrared sounder. NOAA is collaborating with the Jet Propulsion Laboratory (JPL) to design the Earth Observation Nanosatellite-Infrared (EON-IR). EON-IR will leverage the NASA-JPL CubSat based infrared sounder CubSat Infrared Atmospheric Sounder (CIRAS) mission. In FY 2015 NOAA funded a study to analyze the feasibility of meeting the essential requirements of the CrIS from a CubeSat platform and began exploring the basic design of the EON-IR payload and bus. NOAA will continue to study EON-IR in 2016 by examining ways to modify the CIRAS design to better meet NOAA's observational and operational needs. These modifications will aim to increase mission
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Henke, Sabine; Burghof, Hans-Peter; Rudolph, Bernd
1998-01-01
Banks increasingly recognize the need to measure and manage the credit risk of their loans on a portfolio basis. We address the subportfolio "middle market". Due to their specific lending policy for this market segment it is an important task for banks to systematically identify regional and industrial credit concentrations and reduce the detected concentrations through diversification. In recent years, the development of markets for credit securitization and credit derivatives has provided n...
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Modernization of credit relations
Directory of Open Access Journals (Sweden)
S.V. Volosovich
2015-03-01
Full Text Available Nowadays it is essential to modernize credit relations in the conditions of global economy transformations. This is due to the influence of integration processes on credit relations and transformation of the risks inherent in the credit field. The purpose of this article is to develop measures that help to improve the efficiency of interaction of credit relations’ participants. Modernization of credit relations is based on the interaction of its main and indirect subjects who belong to the subsystems of loans granting, deposits attraction and provision of related services. Its goal is to pass from extensive to intensive model of interaction between the subjects of credit relations. Components of the credit relations modernization are the following: institutional modernization, which is based on the interaction of credit relations’ subjects, and ensures the development of competition in all credit market’s segments, the creation of its corresponding infrastructure, qualitative change in the approaches of regulation and supervision; technological modernization, which involves the formation of joint products on the credit market and the formation of an integrated informational and analytical system. In the result of the credit relations’ modernization it is expected to achieve synergies between the subjects of credit relations, that will lead to changes in the business architecture of the financial market.
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National Oceanic and Atmospheric Administration, Department of Commerce — The data set contains information from submitted NOAA Form 370s, also known as the Fisheries Certificate of Origin, for imported shipments of frozen and/or processed...
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NOAA Office of Exploration and Research > Exploration > Systematic
Vessel (E/V) Nautilus in real-time on Internet 2 and the Internet. A legacy of high quality imagery, high . Contact Information for OER Okeanos Explorer Program: Craig Russell NOAA/OAR/OER 7600 Sand Point Way NE | Disclaimer | Privacy Policy | FOIA | Web Accessibility Statement | Information Quality Copyright NOAA 2013
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76 FR 55362 - Proposed Information Collection; Comment Request; NOAA Customer Surveys
2011-09-07
... Collection; Comment Request; NOAA Customer Surveys AGENCY: National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice. SUMMARY: The Department of Commerce, as part of its continuing effort..., (301) 628-5751 or [email protected]noaa.gov . SUPPLEMENTARY INFORMATION: I. Abstract This request is for...
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Access High Quality Imagery from the NOAA View Portal
Pisut, D.; Powell, A. M.; Loomis, T.; Goel, V.; Mills, B.; Cowan, D.
2013-12-01
NOAA curates a vast treasure trove of environmental data, but one that is sometimes not easily accessed, especially for education, outreach, and media purposes. Traditional data portals in NOAA require extensive knowledge of the specific names of observation platforms, models, and analyses, along with nomenclature for variable outputs. A new website and web mapping service (WMS) from NOAA attempts to remedy such issues. The NOAA View data imagery portal provides a seamless entry point into data from across the agency: satellite, models, in-situ analysis, etc. The system provides the user with ability to browse, animate, and download high resolution (e.g., 4,000 x 2,000 pixel) imagery, Google Earth, and even proxy data files. The WMS architecture also allows the resources to be ingested into other software systems or applications.
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77 FR 32572 - (NOAA) National Climate Assessment and Development Advisory Committee (NCADAC)
2012-06-01
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration (NOAA) National Climate... (OAR), National Oceanic and Atmospheric Administration (NOAA), Department of Commerce (DOC). ACTION... page http:// www.nesdis.noaa.gov/NCADAC/ [[Page 32573
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Developing Vocabularies to Improve Understanding and Use of NOAA Observing Systems
Austin, M.
2014-12-01
The NOAA Observing System Integrated Analysis project (NOSIA II), is an attempt to capture and tell the story of how valuable observing systems are in producing products and services that are required to fulfill the NOAA's diverse mission. NOAA's goals and mission areas cover a broad range of environmental data; a complexity exists in terms and vocabulary as applied to the creation of observing system derived products. The NOSIA data collection focused first on decomposing NOAA's goals in the creation and acceptance of Mission Service Areas (MSAs) by NOAA senior leadership. Products and services that supported the MSAs were then identified through the process of interviewing product producers across NOAA organization. Product Data inputs including models, databases and observing system were also identified. The NOSIA model contains over 20,000 nodes each representing levels in a network connecting products, datasources, users and desired outcomes. An immediate need became apparent that the complexity and variety of the data collected required data management to mature the quality and the content of the NOSIA model. The NOSIA Analysis Database (ADB) was developed initially to improve consistency of terms and data types to allow for the linkage of observing systems, products and NOAA's Goals and mission. The ADB also allowed for the prototyping of reports and product generation in an easily accessible and comprehensive format for the first time. Web based visualization of relationships between products, datasources, users, producers were generated to make the information easily understood This includes developing ontologies/vocabularies that are used for the development of users type specific products for NOAA leadership, Observing System Portfolio mangers and the users of NOAA data.
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2010-10-06
....pdf . Comment 6: No action should be taken by NMFS before careful and complete analysis of the impacts... tribal consultation and in March 2010 letters from Shishmaref, King Island, Saint Michael, Solomon, Koyuk... at http://www.alaskafisheries.noaa.gov/tc/unalakleet/report0210.pdf . A Statement of the Extent To...
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77 FR 5491 - Endangered and Threatened Species; Initiation of 5-Year Review for Sei Whales
2012-02-03
... the best scientific and commercial data available at the time of the review; therefore, we are..., identified by NOAA-NMFS-2012-0014, by any of the following methods: Electronic Submissions: Submit all... the ``Submit a Comment'' icon on the right of that line. Mail or hand-delivery: Angela Somma, National...
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G.C., Anup
2013-01-01
Author: Anup G.C. Year: 2013 Subject of thesis: Credit Card Security Number of pages: 36+2 Credit Card is a widely used electronic chip for easy transactions. The main purpose of the report was to show the security measures of transaction by credit cards. The purpose was to give information about credit cards and how they were introduced. The thesis reportcontained the types of card theft with examples and sited the various protocols used for online ...
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15 CFR 971.802 - Public disclosure of documents received by NOAA.
2010-01-01
... received by NOAA. 971.802 Section 971.802 Commerce and Foreign Trade Regulations Relating to Commerce and... Miscellaneous § 971.802 Public disclosure of documents received by NOAA. (a) Purpose. This section provides a... assure that NOAA has a complete and proper basis for determining the legality and appropriateness of...
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Tsunami.gov: NOAA's Tsunami Information Portal
Shiro, B.; Carrick, J.; Hellman, S. B.; Bernard, M.; Dildine, W. P.
2014-12-01
We present the new Tsunami.gov website, which delivers a single authoritative source of tsunami information for the public and emergency management communities. The site efficiently merges information from NOAA's Tsunami Warning Centers (TWC's) by way of a comprehensive XML feed called Tsunami Event XML (TEX). The resulting unified view allows users to quickly see the latest tsunami alert status in geographic context without having to understand complex TWC areas of responsibility. The new site provides for the creation of a wide range of products beyond the traditional ASCII-based tsunami messages. The publication of modern formats such as Common Alerting Protocol (CAP) can drive geographically aware emergency alert systems like FEMA's Integrated Public Alert and Warning System (IPAWS). Supported are other popular information delivery systems, including email, text messaging, and social media updates. The Tsunami.gov portal allows NOAA staff to easily edit content and provides the facility for users to customize their viewing experience. In addition to access by the public, emergency managers and government officials may be offered the capability to log into the portal for special access rights to decision-making and administrative resources relevant to their respective tsunami warning systems. The site follows modern HTML5 responsive design practices for optimized use on mobile as well as non-mobile platforms. It meets all federal security and accessibility standards. Moving forward, we hope to expand Tsunami.gov to encompass tsunami-related content currently offered on separate websites, including the NOAA Tsunami Website, National Tsunami Hazard Mitigation Program, NOAA Center for Tsunami Research, National Geophysical Data Center's Tsunami Database, and National Data Buoy Center's DART Program. This project is part of the larger Tsunami Information Technology Modernization Project, which is consolidating the software architectures of NOAA's existing TWC's into
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National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NDBC SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have waves data. Because of the nature of SOS requests, requests for data...
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2011-07-12
... Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC National Partners... (``Fund 41'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager 2, LLC (the ``Manager''), WNC National Partners, LLC (``WNC National Partners'') and WNC & Associates, Inc...
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Directory of Open Access Journals (Sweden)
Aggarawal K.K.
2016-01-01
Full Text Available In practice, a firm usually receives trade credit financing from its supplier on the purchase of inventory. Similarly, in order to meet competition and generate credit sales over and above cash sales, the firm also gives credit period to their customers. However, the decision of granting credit period may have a disintegrating effect on cash sales apart from generating new credit sales because some of the cash customers may switch to credit purchase. In addition, despite of the best credit granting policies and collection practices, the firm may incurs some amount of bad debt losses because a certain fraction of buyers will undoubtedly be unable to pay off their debt obligations and become bad debt loss to the firm. In this paper, using discounted cash flow (DCF approach, a mathematical model is developed to jointly determine optimal inventory and credit policies under two levels of trade credit financing when demand and bad-debt losses are dependent on credit period. The objective of the model is to maximize the present value of firm’s net profit per unit time by jointly optimizing the replenishment interval and date-terms credit period. Numerical examples and sensitivity analysis are presented to illustrate the effectiveness of the proposed model, and the results are discussed.
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DEFF Research Database (Denmark)
Barslund, Mikkel Christoffer; Tarp, Finn
This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...... to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach...... to credit policy is clearly inappropriate....
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NOAA Workforce Management Office
Assault and Harassment Prevention and Response Policy NOAA Sexual Assault and Sexual Harassment Helpline Classification System How to Develop a Specialty Descriptor Request form for an addition to the ACS Workplace Program (PCO-LDP) Workplace Resources Alternative Dispute Resolution (ADR) Employee Assistance Program
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Credit Participation and Credit Source Selection of Vietnam Small and Medium Enterprises
Directory of Open Access Journals (Sweden)
Nguyen Anh Hoang
2014-10-01
Full Text Available This study is an attempt to investigate the motivation behind the decision to participate in the credit market of SMEs from perspectives of behavioral finance and social capital theories. In addi- tion, the study also examines the effect of behavioral finance and social capital factors on the credit source selection among SMEs. This study’s design strategy involves conducting questionnaire sur- veys to SMEs owners and statistical techniques to analyze the determinants of credit participation and credit source selection of borrowers. The findings showed that personal traits of SMEs owners/ managers in terms of behavioral finance factors such as debt and risk attitudes, present biased and overconfidence and firms networking also have impacts on the firms’ credit participation and credit source selection. The research is one of the few studies that consider the influence of behavioral finance factors on firms financing decision. Furthermore, our result also contributes to explain the common use of informal credit market in developing countries.
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Callicott, William M.
1993-01-01
The NOAA archives contain 150 terabytes of data in digital form, most of which are the high volume GOES satellite image data. There are 630 data bases containing 2,350 environmental variables. There are 375 million film records and 90 million paper records in addition to the digital data base. The current data accession rate is 10 percent per year and the number of users are increasing at a 10 percent annual rate. NOAA publishes 5,000 publications and distributes over one million copies to almost 41,000 paying customers. Each year, over six million records are key entered from manuscript documents and about 13,000 computer tapes and 40,000 satellite hardcopy images are entered into the archive. Early digital data were stored on punched cards and open reel computer tapes. In the late seventies, an advanced helical scan technology (AMPEX TBM) was implemented. Now, punched cards have disappeared, the TBM system was abandoned, most data stored on open reel tapes have been migrated to 3480 cartridges, many specialized data sets were distributed on CD ROM's, special archives are being copied to 12 inch optical WORM disks, 5 1/4 inch magneto-optical disks were employed for workstation applications, and 8 mm EXABYTE tapes are planned for major data collection programs. The rapid expansion of new data sets, some of which constitute large volumes of data, coupled with the need for vastly improved access mechanisms, portability, and improved longevity are factors which will influence NOAA's future systems approaches for data management.
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75 FR 33244 - Marine Fisheries Advisory Committee; Public Meetings
2010-06-11
... meeting will be held at the Prospector Hotel, 375 Whittier Street in Juneau, AK 99801; 907-586-3737. FOR... reviews the adequacy of living marine resource policies and programs to meet the needs of commercial and... interests. The complete charter and summaries of prior meetings are located online at http://www.nmfs.noaa...
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76 FR 31590 - Endangered and Threatened Species; Take of Anadromous Fish
2011-06-01
... online at: https://apps.nmfs.noaa.gov/preview/preview_open_for_comment.cfm . These documents are also... to the disadvantage of the listed species which are the subject of the permits; and (3) are... included in the annual California Department of Fish and Game research program under the ESA 4(d) rule for...
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77 FR 12815 - Marine Mammals; File No. 16160
2012-03-02
...://apps.nmfs.noaa.gov , and then selecting File No. 16160 from the list of available applications. These... taking and importing of marine mammals (50 CFR part 216), the Endangered Species Act of 1973, as amended... waters of Washington State. This research would contribute to a long-term data set (Orca Master) that has...
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2012-10-24
... listing classification for this species. A 5-year review is based on the best scientific and commercial... on this document, identified by NOAA-NMFS-2012-0198, by any of the following methods: Electronic... resulting list and click on the ``Submit a Comment'' icon on the right of that line. Mail or hand-delivery...
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NOAA Freedom of Information Act (FOIA) Training and Tutorials
conferences held by OIP on topical issues related to improving transparency. For more information, please Oceanic and Atmospheric Administration Office Freedom of Information Act (FOIA) HOME CoNtact Search NOAA in your State Budget Information Emergency Information for NOAA Employees Items of Interest for
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2011-01-24
... Collection; Comment Request; Certification Requirements for NOAA's Hydrographic Product Quality Assurance Program AGENCY: National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice. SUMMARY... and instructions should be directed to David B. Enabnit, (301) 713-2770 x132, [email protected]noaa.gov...
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Creating a More Inclusive Talent Pool for the GeoSciences in NOAA Mission Fields:
Rousseau, J.; Trotman, A. A.
2014-12-01
The National Oceanic and Atmospheric Administration (NOAA) Educational Partnership Program (EPP) with Minority Serving Institutions (MSI) is recognized as a model federal Science, Technology, Engineering, and Mathematics, (STEM) education investment. The EPP has a premier goal of increasing the numbers of students, especially from underrepresented communities, who are trained and awarded degrees in NOAA mission-relevant STEM fields. This goal is being achieved through awards to support undergraduate and graduate level student scholarships and to enhance NOAA mission-relevant education, research and internships at EPP Cooperative Science Centers located at MSIs. The internships allow undergraduate students to gain technical experience in STEM fields while gaining an understanding of a science mission agency such as NOAA. EPP has built evidence supporting the value of internships with its Undergraduate Scholarship Program (USP). Program metrics are used to refine and improve the internship to ensure student success. Scholarships are competitively awarded and requires applicants to submit a personal statement detailing the NOAA-relevant professional experience the applicant seeks to acquire, and gauges the depth of understanding of the work of NOAA.A focus is the EPP USP Student Internship at NOAA, which has two training phases. The first occurs at NOAA HQ in Maryland and incorporates exposure to NOAA professional culture including mentoring and professional development for scholarship recipients. The second occurs at NOAA facilities in the 50 states and US Territories. The internship projects are conducted under the supervision of a NOAA mentor and allow the scholars to: acquire increased science and technology skills: be attached to a research group and participate in a research activity as part of the team; and, acquire practical experience and knowledge of the day-to-day work of the NOAA facility. EPP has recently initiated the Experiential Research and Training
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DEFF Research Database (Denmark)
Zamore, Stephen; Ohene Djan, Kwame; Alon, Ilan
2018-01-01
This article provides a comprehensive review of scholarly research on credit risk measurement during the last 57 years applying bibliometric citation analysis and elaborates an agenda for future research. The bibliography is compiled using the Institute for Scientific Information (ISI) Web...... of Science (WOS) database and includes all articles with citations over the period 1960–2016. Specifically, the review is carried out using 1695 articles across 72 countries published in 442 journals by 2928 authors. The findings suggest that credit risk research is multifaceted and can be classified...... into six streams: (1) defaultable security pricing, (2) default intensity modeling, (3) comparative analysis of credit models, (4) comparative analysis of credit markets, (5) credit default swap (CDS) pricing, and (6) loan loss provisions. The article contributes through synthesizing and identifying...
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Louisiana Geographic Information Center — This is a final classification. It is ready for distribution pending review by NOAA-CSC staff. This data set is the pre-hurricane Katrina 2005-era classification of...
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Clanton, Brandolyn; And Others
Intended for teachers of secondary school students, five lessons on consumer credit are presented. In the first lesson students identify and evaluate sources of credit, compare some of the costs and benefits of credit, and learn to apply criteria used in evaluating applications for credit. In the second lesson, students learn about two basic types…
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Tide Predictions, California, 2014, NOAA
U.S. Environmental Protection Agency — The predictions from the web based NOAA Tide Predictions are based upon the latest information available as of the date of the user's request. Tide predictions...
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NOAA's Hydrographic Surveys and Reports
National Oceanic and Atmospheric Administration, Department of Commerce — The National Oceanic and Atmospheric Administration (NOAA) has the statutory mandate to collect hydrographic data to support the compilation of nautical charts and...
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NOAA's Scientific Data Stewardship Program
Bates, J. J.
2004-12-01
The NOAA mission is to understand and predict changes in the Earth's environment and conserve and manage coastal and marine resources to meet the Nation's economic, social and environmental needs. NOAA has responsibility for long-term archiving of the United States environmental data and has recently integrated several data management functions into a concept called Scientific Data Stewardship. Scientific Data Stewardship a new paradigm in data management consisting of an integrated suite of functions to preserve and exploit the full scientific value of NOAA's, and the world's, environmental data These functions include careful monitoring of observing system performance for long-term applications, the generation of authoritative long-term climate records from multiple observing platforms, and the proper archival of and timely access to data and metadata. NOAA has developed a conceptual framework to implement the functions of scientific data stewardship. This framework has five objectives: 1) develop real-time monitoring of all satellite observing systems for climate applications, 2) process large volumes of satellite data extending up to decades in length to account for systematic errors and to eliminate artifacts in the raw data (referred to as fundamental climate data records, FCDRs), 3) generate retrieved geophysical parameters from the FCDRs (referred to as thematic climate data records TCDRs) including combining observations from all sources, 4) conduct monitoring and research by analyzing data sets to uncover climate trends and to provide evaluation and feedback for steps 2) and 3), and 5) provide archives of metadata, FCDRs, and TCDRs, and facilitate distribution of these data to the user community. The term `climate data record' and related terms, such as climate data set, have been used for some time, but the climate community has yet to settle on a concensus definition. A recent United States National Academy of Sciences report recommends using the
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2010-10-01
... the public scoping meetings; 2. U.S. mail or hand delivery to : Mr. David Molenaar, National Marine...) 753-9564, or at [email protected] or Mr. David Molenaar with the NMFS at (360) 753-9456 or at David.Molenaar@noaa.gov , or on the Internet at: http://www.fws.gov/wafwo . SUPPLEMENTARY INFORMATION: In...
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National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Composite Shoreline is primarily intended for high-resolution cartographic representation of the shoreline. It is a high-resolution vector shoreline based...
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The impact of credit risk assessment on credit activity of commercial banks
Directory of Open Access Journals (Sweden)
Ljubić Marijana
2015-01-01
Full Text Available As banks have great social responsibility and are a subject to a specific and extensive regulations, one of the being Basel, the authors of this paper focus on the impact of credit risk assessment on credit activity of commercial banks. The authors of this paper provide a standard for risk management and an insight into directions on how to manage credit risk in the most efficient way and how to assess credit rating of a borrower.
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Education Strategic Plan 2015-2035: Advancing NOAA's Mission through Education. Executive Summary
National Oceanic and Atmospheric Administration, 2016
2016-01-01
The National Oceanic and Atmospheric Administration (NOAA) Education Strategic Plan provides a framework to guide collaboration across the NOAA education community and a structure in which to track and report progress. Congress recognized the importance of NOAA's education programs with the passage of the America COMPETES Act. The America COMPETES…
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Credit derivatives in emerging markets
Romain Rancière
2002-01-01
Credit Derivatives are securities that offer protection against credit or default risk of bonds or loans. The credit derivatives emerging market has grown rapidly and credit derivatives are widely used. This paper describes the emerging credit derivatives market structure. The current market activity is analyzed through elementary pricing dynamics and the study of the term structure of default risk. Focusing on the performance of credit derivatives in stress situation, including legal and mar...
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77 FR 35271 - Safety Zone; NOAA Vessel Rueben Lasker Launch, Marinette, WI
2012-06-13
...-AA00 Safety Zone; NOAA Vessel Rueben Lasker Launch, Marinette, WI AGENCY: Coast Guard, DHS. ACTION... during the launching of the NOAA vessel, Rueben Lasker, on June 16, 2012. This temporary safety zone is... preceding paragraph, a 30 day notice period would also be impractical. B. Basis and Purpose The NOAA vessel...
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National Oceanic and Atmospheric Administration (DOC), Silver Spring, MD.
In November 2001 the National Oceanic and Atmospheric Administration (NOAA) hosted the third NOAA and Academia Partnership to evaluate, maintain, and expand on efforts to optimize NOAA-university cooperation. Close partnership between the NOAA and U.S. universities has produced many benefits for the U.S. economy and the environment. Based on the…
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NOAA Raster Navigational Charts (RNC)
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA, National Ocean Service, Office of Coast Survey, Marine Chart Division is responsible to build and maintain a suite of more than 1000 nautical charts that are...
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The influence of sovereign credit ratings on corporate credit ratings.
Umutoni, Liliane
2017-01-01
Credit ratings have a key role in modern financial markets as they communicate crucial information on the creditworthiness of a debt issuer to investors and regulators. These credit ratings are mostly determined by three rating agencies, namely Standard & Poor’s, Moody’s and Fitch, even though, the credit rating industry counts a dozen of recognized rating agencies. Indeed, the three agencies have become the market leaders with a market share of 94.3% on the U.S market (Bloomberg, 2015) and 9...
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75 FR 55541 - NOAA Regional Ocean Partnership Funding Program-FY2011 Funding Competition
2010-09-13
...-01] RIN 0648-ZC20 NOAA Regional Ocean Partnership Funding Program--FY2011 Funding Competition AGENCY: National Ocean Service, National Oceanic and Atmospheric Administration (NOAA), Department of Commerce...-profit organizations (requirements described in full announcement) that NOAA is soliciting proposals for...
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Credit risk management in banks
Pětníková, Tereza
2014-01-01
The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...
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Sex of respondent and credit attitudes as predictors of credit card use and debt payment.
McCall, Michael; Eckrich, Donald W
2006-06-01
Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.
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Consumer Handbook to Credit Protection Laws.
Board of Governors of the Federal Reserve System, Washington, DC.
The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…
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Directory of Open Access Journals (Sweden)
Natalya P. Anoshkina
2018-06-01
Full Text Available The paper is devoted to the problem of credit loss management topical for modern Russian science and banking practice. The bank’s lending activity is an integral and the most profitable sphere of banking activity. Banks need to take credit risks inherent in their core business and minimize their impact through the establishment of advanced risk management systems. The study, reflected in the present paper, has been conducted in order to determine approaches to the organization of credit loss management in banking. Analysis of the system of management of credit risks and credit losses has shown that they have different scope, object and purpose. In this connection, there is an objective necessity to create a special subsystem for the management of credit losses in banks. On the basis of common bank approaches to credit risk management, the paper develops models of credit loss management: a multi-level management model in the area of ‘operational-tactical-strategic management’ and a functional management model in the area of ‘technology-execution-control’. These models are important for the modern theory and practice of banking, as they allow the bank to manage credit losses on the entire time horizon of the management process, thus opening a wide range of opportunities for the creation and implementation of large-scale programs, as well as specific techniques. This study allows drawing a conclusion about the need to consider control credit losses as a strictly regulated multi-level process, in which each division is assigned with specific objectives, tasks, functions, formally enshrined in the relevant lists, job descriptions and other legal documents.
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Non-conventional fuel tax credit
International Nuclear Information System (INIS)
Soeoet, P.M.
1988-01-01
Coal-seam methane, along with certain other non-conventional fuels, is eligible for a tax credit. This production tax credit allowed coal-seam methane producers to receive $0.7526 per million Btu of gas sold during 1986. In 1987, this credit rose to $0.78 per million Btu. The tax credit is a very significant element of the economic analysis of current coal-seam methane projects. In today's spot market, gas prices are around $1.50 per million Btu. Allowing for costs of production, the gas producer will net more income from the tax credit than from the sale of the gas. The Crude Oil Windfall Profit Tax Act of 1980 is the source of this tax credit. There were some minor changes made by subsequent legislation, but most of the tax credit has remained intact. Wells must be drilled by 1990 to qualify for the tax credit but the production from such wells is eligible for the tax credit until 2001. Projections have been made, showing that the tax credit should increase to $0.91 per million Btu for production in 1990 and $1.34 per million Btu in 2000. Variables which may decrease the tax credit from these projections are dramatically lower oil prices or general economic price deflation
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US Agency for International Development — Credit Management System. Outsourced Internet-based application. CMS stores and processes data related to USAID credit programs. The system provides information...
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NOAA NOS SOS, EXPERIMENTAL - Currents
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have currents data. *These services are for testing and evaluation use...
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2013-06-24
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XC726 Draft NOAA... Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice; request for comments. SUMMARY: NOAA announces the availability of and request for comments on the Draft NOAA Procedures for Government...
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Department of Homeland Security — The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed of the full faith...
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NOAA NOS SOS, EXPERIMENTAL - Wind
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have wind data. *These services are for testing and evaluation use only*...
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The NOAA Satellite Observing System Architecture Study
Volz, Stephen; Maier, Mark; Di Pietro, David
2016-01-01
NOAA is beginning a study, the NOAA Satellite Observing System Architecture (NSOSA) study, to plan for the future operational environmental satellite system that will follow GOES and JPSS, beginning about 2030. This is an opportunity to design a modern architecture with no pre-conceived notions regarding instruments, platforms, orbits, etc. The NSOSA study will develop and evaluate architecture alternatives to include partner and commercial alternatives that are likely to become available. The objectives will include both functional needs and strategic characteristics (e.g., flexibility, responsiveness, sustainability). Part of this study is the Space Platform Requirements Working Group (SPRWG), which is being commissioned by NESDIS. The SPRWG is charged to assess new or existing user needs and to provide relative priorities for observational needs in the context of the future architecture. SPRWG results will serve as input to the process for new foundational (Level 0 and Level 1) requirements for the next generation of NOAA satellites that follow the GOES-R, JPSS, DSCOVR, Jason-3, and COSMIC-2 missions.
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Bank for International Settlements
2003-01-01
Executive summary Techniques for transferring credit risk, such as financial guarantees and credit insurance, have been a long-standing feature of financial markets. In the past few years, however, the range of credit risk transfer (CRT) instruments and the circumstances in which they are used have widened considerably. A number of factors have contributed to this growth, including: greater focus by banks and other financial institutions on risk management; a more rigorous approach to risk/re...
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Dynamic Virtual Credit Card Numbers
Molloy, Ian; Li, Jiangtao; Li, Ninghui
Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.
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Marine and Anadromous Fish :: NOAA Fisheries
Conservation Commission bocaccio Bocaccio (Sebastes paucispinis) Photo: NOAA sand tiger shark Sand Tiger Shark Updated: June 29, 2017 Fisheries Service Home Information Quality Exit Disclaimer Linking Policy Privacy
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NUCAPS: NOAA Unique Combined Atmospheric Processing System Cloud-Cleared Radiances (CCR)
National Oceanic and Atmospheric Administration, Department of Commerce — This dataset consists of Cloud-Cleared Radiances (CCRs) from the NOAA Unique Combined Atmospheric Processing System (NUCAPS). NUCAPS was developed by the NOAA/NESDIS...
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12 CFR 561.12 - Consumer credit.
2010-01-01
...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...
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THE CREDIT AND CREDIT RISK MANAGEMENT DURING THE CRISIS
Directory of Open Access Journals (Sweden)
Chitan Gheorghe
2012-03-01
Full Text Available Considering the importance of credit risk management to ensure the financial system stability,the paper presents financial and real sector interaction highlighting that credit growth based on increase of creditdemand, of income, of assets prices, of currency availability, the interest rate differential between countries andrelaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity andasset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving creditrisk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatoryrequirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to leadto a more resilient financial system.
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Determinants of SME credit worthiness under Basel rules: the value of credit history information
Directory of Open Access Journals (Sweden)
Francesco Dainelli
2013-03-01
Full Text Available The Basel III Accord has reportedly had an impact on SME financing. In this paper, we aim to highlight the determinants of SME credit worthiness. We use credit history in addition to financial ratios and “hybrid” indicators that have been built by mixing credit history with financial statement data. We develop a failure prediction logit model on 187 Italian SMEs. The use of short-term credit lines is the most important variable. Contrary to common understanding, capitalization levels do not affect ratings. Lastly, credit worthiness is sensitive to sale profitability.
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75 FR 82377 - NOAA's Office of Ocean Exploration and Research (OER) Strategic Plan FY 2011-FY 2015
2010-12-30
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration (NOAA) NOAA's Office of... Administration (NOAA), Commerce. ACTION: Notice of availability and request for public comment. SUMMARY: NOAA's...: Yvette Jefferson. Mail: NOAA Office of Ocean Exploration and Research (OER), ATTN: OER Plan Comments...
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NOAA Surveys; Stabalizing Economy and Ecology on The U.S. Coast
Hylton, L. L.
2008-12-01
NOAA TEACHER AT SEA: LISHA LANDER HYLTON ONBOARD NOAA SHIP: DELAWARE II JUNE 29TH -JULY 11TH, 2008 MISSION: The mission of my trip with NOAA was to provide me (a teacher of third grade students) an extraordinary opportunity to take part in genuine-world experiences being conducted by NOAA in order for me to achieve a clearer insight into our ocean planet and a superior perceptive of NOAA-related careers. With the knowledge that I obtained on-board THE DELAWAREII - I am now able to teach the lesson plans created on my field study to my students, giving them insight as to how much power they have on their lives and this world we live in. My students are able to play a part in maritime activities as we study together, valuing the work and expertise that is required to sustain oceanic and atmospheric research. The students' enthusiasm, inquisitiveness and yearning to learn is only heightened with the hands-on, motivational activities that I gained from my research with this NOAA team. As a Part of this NOAA team, on-board we conducted clam surveys at various stations along the northeastern coast of the United States. I learned that clams are a very important part of economy and ecology in this region. Surveying clams and other marine species was performed on my field study with NOAA for the purpose of conserving marine life. NOAA realizes the importance of the fishing industry and conducts fishery surveys in order to stabilize fishery industries without destroying the marine ecosystems completely. Clams play a very important part in marine fishery; therefore these surveys are helping to maintain stability in the economy and ecology of The United States. By comparing past and present fishery surveys, our team made conclusions regarding the stability of these marine populations. After dredging, collecting, sorting, counting, measuring and weighing (clams with shells and shucked clam meat only) - the data was obtained and recorded then entered into computers filed under
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2013-03-06
... endorsements for Pacific cod and pot gear. The Council and NMFS considered the potential effects of adding... financing QS purchases. The lack of credit history and the fact that CQEs are non-profit organizations...
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Magnetic and Velocity Field Variations in the Active Regions NOAA ...
Indian Academy of Sciences (India)
Abstract. We study the magnetic and velocity field evolution in the two magnetically complex active regions NOAA 10486 and NOAA 10488 observed during October–November 2003. We have used the available data to examine net flux and Doppler velocity time profiles to identify changes associated with evolutionary and ...
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Monitoring natural vegetation in Southern Greenland using NOAA AVHRR and field measurements
DEFF Research Database (Denmark)
Hansen, Birger Ulf
1991-01-01
vegetation, sheep farming, biomass production, Remote Sensing, NOAA AVHRR, Southern Greenland, NDVI......vegetation, sheep farming, biomass production, Remote Sensing, NOAA AVHRR, Southern Greenland, NDVI...
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Marks, Jeff
2000-01-01
Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)
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Credit derivatives and risk management
Michael S. Gibson
2007-01-01
The striking growth of credit derivatives suggests that market participants find them to be useful tools for risk management. I illustrate the value of credit derivatives with three examples. A commercial bank can use credit derivatives to manage the risk of its loan portfolio. An investment bank can use credit derivatives to manage the risks it incurs when underwriting securities. An investor, such as an insurance company, asset manager, or hedge fund, can use credit derivatives to align its...
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Ralph, Lisa M.
2010-01-01
Access to consumer credit as a means of building wealth is one of the least examined forms of social inequality. The recent economic crisis in the United States has brought attention to the significance of consumer credit in our nation's economy; however, less understood are the specific obstacles and barriers that prevent low-income individuals from reaching the "American Dream." In an exploratory manner, this study compared credit access, credit literacy, and credit experience of low-income...
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Quality of urban forest carbon credits
Neelam C. Poudyala; Jacek P. Siry; J.M. Bowker
2011-01-01
While the urban forest is considered an eligible source of carbon offset credits, little is known about its market potential and the quality aspects of the credits. As credit suppliers increase in number and credit buyers become more interested in purchasing carbon credits, it is unclear whether and how urban forest carbon credits can perform relative to the other...
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Boundedly rational credit cycles
Sáez, María
1996-01-01
We propose an evolutionary model of a credit market. We show that the economy exhibits credit cycles. The model predicts dynamics which are consistent with some evidence about the Great Depression. Real shocks trigger episodes of credit--crunch which are observed in the process of adjustment towards the post shock equilibrium.
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Špicas, Renatas
2017-01-01
While functioning in accordance with the new, business and efficiency-oriented operating model, credit unions develop and begin functioning outside the community. It is universally recognised in scientific literature that as credit unions expand their activities beyond a community, social relations with credit union members weaken and the credit unions lose their social control element, which help them to better assess and manage information asymmetry and credit risk. So far, the analysis of ...
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Comment on Geoengineering with seagrasses: is credit due where credit is given?
Oreska, Matthew P. J.; McGlathery, Karen J.; Emmer, Igino M.; Needelman, Brian A.; Emmett-Mattox, Stephen; Crooks, Stephen; Megonigal, J. Patrick; Myers, Doug
2018-03-01
In their recent review, ‘Geoengineering with seagrasses: is credit due where credit is given?,’ Johannessen and Macdonald (2016) invoke the prospect of carbon offset-credit over-allocation by the Verified Carbon Standard as a pretense for their concerns about published seagrass carbon burial rate and global stock estimates. Johannessen and Macdonald (2016) suggest that projects seeking offset-credits under the Verified Carbon Standard methodology VM0033: Methodology for Tidal Wetland and Seagrass Restoration will overestimate long-term (100 yr) sediment organic carbon (SOC) storage because issues affecting carbon burial rates bias storage estimates. These issues warrant serious consideration by the seagrass research community; however, VM0033 does not refer to seagrass SOC ‘burial rates’ or ‘storage.’ Projects seeking credits under VM0033 must document greenhouse gas emission reductions over time, relative to a baseline scenario, in order to receive credits. Projects must also monitor changes in carbon pools, including SOC, to confirm that observed benefits are maintained over time. However, VM0033 allows projects to conservatively underestimate project benefits by citing default values for specific accounting parameters, including CO2 emissions reductions. We therefore acknowledge that carbon crediting methodologies such as VM0033 are sensitive to the quality of the seagrass literature, particularly when permitted default factors are based in part on seagrass burial rates. Literature-derived values should be evaluated based on the concerns raised by Johannessen and Macdonald (2016), but these issues should not lead to credit over-allocation in practice, provided VM0033 is rigorously followed. These issues may, however, affect the feasibility of particular seagrass offset projects.
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Contributions of the NOAA Hollings Undergraduate Scholarship Program to the Geosciences Pipeline
Kaplan, M.
2016-12-01
Since 2005, the NOAA Ernest F. Hollings Undergraduate Scholarship Program has provided tuition support and paid summer internship opportunities at NOAA to exceptional students majoring in the geosciences. The purpose of the scholarship program is to train students in NOAA mission fields. Multiple methods were used to track the career trajectories of Hollings alumni, including mining LinkedIn data, conducting an impact analysis based on a professionally developed web-based evaluation survey, and a web-based alumni update system. At least one postgraduate record was recorded for 80% of Hollings Scholarship alumni. Of the alumni reached, more than 75% continued on to graduate school in a NOAA mission field, and 86% of those graduate degrees were in a NOAA mission field or other STEM field. More than 60% of alumni had at least one professional record, with the most alumni working in private industry, followed by nongovernmental organizations and federal, state and local government.
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Models of Credit Risk Measurement
Hagiu Alina
2011-01-01
Credit risk is defined as that risk of financial loss caused by failure by the counterparty. According to statistics, for financial institutions, credit risk is much important than market risk, reduced diversification of the credit risk is the main cause of bank failures. Just recently, the banking industry began to measure credit risk in the context of a portfolio along with the development of risk management started with models value at risk (VAR). Once measured, credit risk can be diversif...
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Progress and Challenges in Assessing NOAA Data Management
de la Beaujardiere, J.
2016-12-01
The US National Oceanic and Atmospheric Administration (NOAA) produces large volumes of environmental data from a great variety of observing systems including satellites, radars, aircraft, ships, buoys, and other platforms. These data are irreplaceable assets that must be properly managed to ensure they are discoverable, accessible, usable, and preserved. A policy framework has been established which informs data producers of their responsibilities and which supports White House-level mandates such as the Executive Order on Open Data and the OSTP Memorandum on Increasing Access to the Results of Federally Funded Scientific Research. However, assessing the current state and progress toward completion for the many NOAA datasets is a challenge. This presentation will discuss work toward establishing assessment methodologies and dashboard-style displays. Ideally, metrics would be gathered though software and be automatically updated whenever an individual improvement was made. In practice, however, some level of manual information collection is required. Differing approaches to dataset granularity in different branches of NOAA yield additional complexity.
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2010-10-01
... OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.4 Credits. (a) Type and vintage... category, and model year of origin (vintage). (b) Application of credits. All credits earned and applied are calculated, per 49 U.S.C. 32903(c), in tenths of a mile per gallon by which the average fuel...
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Big Data Discovery and Access Services through NOAA OneStop
Casey, K. S.; Neufeld, D.; Ritchey, N. A.; Relph, J.; Fischman, D.; Baldwin, R.
2017-12-01
The NOAA OneStop Project was created as a pathfinder effort to to improve the discovery of, access to, and usability of NOAA's vast and diverse collection of big data. OneStop is led by the NOAA/NESDIS National Centers for Environmental Information (NCEI), and is seen as a key NESDIS contribution to NOAA's open data and data stewardship efforts. OneStop consists of an entire framework of services, from storage and interoperable access services at the base, through metadata and catalog services in the middle, to a modern user interface experience at the top. Importantly, it is an open framework where external tools and services can connect at whichever level is most appropriate. Since the beta release of the OneStop user interface at the 2016 Fall AGU meeting, significant progress has been made improving and modernizing many NOAA data collections to optimize their use within the framework. In addition, OneStop has made progress implementing robust metadata management and catalog systems at the collection and granule level and improving the user experience with the web interface. This progress will be summarized and the results of extensive user testing including professional usability studies will be reviewed. Key big data technologies supporting the framework will be presented and a community input sought on the future directions of the OneStop Project.
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Credit Market Information Feedback
Balasubramanyan, Lakshmi; Craig, Ben R.; Thomson, James B.; Zaman, Saeed
2015-01-01
We examine how a combination of credit market and asset quality information can jointly be used in assessing bank franchise value. We find that expectations of future credit demand and future asset quality explain contemporaneous bank franchise value, indicative of the feedback in credit market information and its consequent impact on bank franchise value.
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2012-07-09
... Collection; Comment Request; Application for Appointment in the NOAA Commissioned Officer Corps AGENCY: National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice. SUMMARY: The Department... and instructions should be directed to Eric Johnson, (301) 713-7727 or [email protected]noaa.gov...
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The two-child limit for Universal Credit and Child Tax Credit
MACHIN, Richard
2017-01-01
Richard Machin explores the background to, and likely impact of, the two-child limit on the child element in Universal Credit and the Child Tax Credit, which was introduced by the Welfare Reform and Work Act 2016
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Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education
Prasuhn, Frederick Carl
2014-01-01
U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…
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CREDIT DEFAULT SWAPS IN THE MECHANISM OF REDISTRIBUTION OF CREDIT RISK
Directory of Open Access Journals (Sweden)
O. Solodka
2015-03-01
Full Text Available In the article the economic nature and the functioning of CDS in terms of efficient redistribution of credit risk. The features of the dynamics of the nominal volume of the world market CDS, the gross market value and net market value of the CDS. Proved that more objective indicators of total credit risk shenerovanoho financial institutions are gross market value of the CDS and the net market value of CDS. We consider the variety and scope of CDS. Studied objectivity CDS valuation depending on the basis for valuation of CDS. In the mechanism of functioning CDS credit event as defined default “subject matter”, the features of conventional and technical default. Noted that a credit event for the use of CDS may also restructuring the company, bankruptcy or downgrade economic entity. In the article the types of CDS, including Basket Default Swap and First-of- Basket-to-Default Swap. We consider the application of CDS, namely hedge the credit risk of the underlying asset, which issued CDS; hedging credit risk of other assets by CDS; speculative trading in CDS. Depending on the particular basis for valuation of CDS, investigated objective valuation based on the value of CDS hedging; valuation CDS, based on the intensity of default; CDS valuation based on credit rating; valuation CDS, based on the value of the company. Proved that hedging through CDS will be effective only for the low correlation between the default of the underlying asset and counterparty default on swaps. It is proved that the accuracy and redutsyrovanyh structural models strongly depends on the “a long history of trading” underlying assets, asset must have a long history of trading, be the subject of in-depth analysis of a wide range of analysts and traders.
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Developing NOAA's Climate Data Records From AVHRR and Other Data
Privette, J. L.; Bates, J. J.; Kearns, E. J.
2010-12-01
As part of the provisional NOAA Climate Service, NOAA is providing leadership in the development of authoritative, measurement-based information on climate change and variability. NOAA’s National Climatic Data Center (NCDC) recently initiated a satellite Climate Data Record Program (CDRP) to provide sustained and objective climate information derived from meteorological satellite data that NOAA has collected over the past 30+ years - particularly from its Polar Orbiting Environmental Satellites (POES) program. These are the longest sustained global measurement records in the world and represent billions of dollars of investment. NOAA is now applying advanced analysis methods -- which have improved remarkably over the last decade -- to the POES AVHRR and other instrument data. Data from other satellite programs, including NASA and international research programs and the Defense Meteorological Satellite Program (DMSP), are also being used. This process will unravel the underlying climate trend and variability information and return new value from the records. In parallel, NCDC will extend these records by applying the same methods to present-day and future satellite measurements, including the Joint Polar Satellite System (JPSS) and Jason-3. In this presentation, we will describe the AVHRR-related algorithm development activities that CDRP recently selected and funded through open competitions. We will particularly discuss some of the technical challenges related to adapting and using AVHRR algorithms with the VIIRS data that should become available with the launch of the NPOESS Preparatory Project (NPP) satellite in early 2012. We will also describe IT system development activities that will provide data processing and reprocessing, storage and management. We will also outline the maturing Program framework, including the strategies for coding and development standards, community reviews, independent program oversight, and research-to-operations algorithm
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Credit Cards. Bulletin No. 721. (Revised.)
Fox, Linda Kirk
This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…
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7 CFR 4280.139 - Credit quality.
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4280.139 Section 4280.139 Agriculture... Improvements Program Section B. Guaranteed Loans § 4280.139 Credit quality. The lender must determine credit quality and must address all of the elements of credit quality in a written credit analysis, including...
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Accuracy assessment of NOAA gridded daily reference evapotranspiration for the Texas High Plains
Moorhead, Jerry; Gowda, Prasanna H.; Hobbins, Michael; Senay, Gabriel; Paul, George; Marek, Thomas; Porter, Dana
2015-01-01
The National Oceanic and Atmospheric Administration (NOAA) provides daily reference evapotranspiration (ETref) maps for the contiguous United States using climatic data from North American Land Data Assimilation System (NLDAS). This data provides large-scale spatial representation of ETref, which is essential for regional scale water resources management. Data used in the development of NOAA daily ETref maps are derived from observations over surfaces that are different from short (grass — ETos) or tall (alfalfa — ETrs) reference crops, often in nonagricultural settings, which carries an unknown discrepancy between assumed and actual conditions. In this study, NOAA daily ETos and ETrs maps were evaluated for accuracy, using observed data from the Texas High Plains Evapotranspiration (TXHPET) network. Daily ETos, ETrs and the climatic data (air temperature, wind speed, and solar radiation) used for calculating ETref were extracted from the NOAA maps for TXHPET locations and compared against ground measurements on reference grass surfaces. NOAA ETrefmaps generally overestimated the TXHPET observations (1.4 and 2.2 mm/day ETos and ETrs, respectively), which may be attributed to errors in the NLDAS modeled air temperature and wind speed, to which reference ETref is most sensitive. Therefore, a bias correction to NLDAS modeled air temperature and wind speed data, or adjustment to the resulting NOAA ETref, may be needed to improve the accuracy of NOAA ETref maps.
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NOAA Global Surface Temperature (NOAAGlobalTemp)
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Global Surface Temperature Dataset (NOAAGlobalTemp) is a merged land–ocean surface temperature analysis (formerly known as MLOST) (link is external). It is...
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NOAA Weather and Climate Toolkit (WCT)
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Weather and Climate Toolkit is an application that provides simple visualization and data export of weather and climatological data archived at NCDC. The...
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Value of credit bureau reports
Directory of Open Access Journals (Sweden)
Brković Milan
2017-01-01
Full Text Available An efficient system of credit information sharing contributes to solving the problem of information asymmetry on the credit and financial markets in general. The consequences of the global economic and financial crisis revealed an increasing demand for reliable information and data which could close the existing gap in their insufficiency, misuse or inadequate analytical value for the economic and financial policy makers. In that sense, more attention is directed to the usefulness of credit information sharing and the practical value of information and data contained in credit bureau reports for the purposes of achieving the overall economic policy goals. The fulfillment of that role depends mostly on the credit information sharing system and its characteristics, participants, and procedures. A credit bureau report in the best possible manner reflects all advantages and disadvantages of the established credit information exchange system in terms of its analytical value for the purposes of efficient macroeconomic and macrofinancial policies.
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SST, NOAA POES AVHRR, GAC, 0.1 degrees, Global, Day and Night
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA CoastWatch provides sea surface temperature (SST) products derived from NOAA's Polar Operational Environmental Satellites (POES). This data provides global area...
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12 CFR 703.6 - Credit analysis.
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least annually...
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DEFF Research Database (Denmark)
Harste, Gorm
The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...... of history from the present risk of modern systems back to early modernity, the Reformation and the high medieval Revolutions in law, organization and theology. It is not a history of economics, but a history of the conditions of some communication codes used in economic systems....
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DEFF Research Database (Denmark)
Lando, David
Credit risk is today one of the most intensely studied topics in quantitative finance. This book provides an introduction and overview for readers who seek an up-to-date reference to the central problems of the field and to the tools currently used to analyze them. The book is aimed at researchers...... and students in finance, at quantitative analysts in banks and other financial institutions, and at regulators interested in the modeling aspects of credit risk. David Lando considers the two broad approaches to credit risk analysis: that based on classical option pricing models on the one hand...
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NOAA's Strategy to Improve Operational Weather Prediction Outlooks at Subseasonal Time Range
Schneider, T.; Toepfer, F.; Stajner, I.; DeWitt, D.
2017-12-01
NOAA is planning to extend operational global numerical weather prediction to sub-seasonal time range under the auspices of its Next Generation Global Prediction System (NGGPS) and Extended Range Outlook Programs. A unification of numerical prediction capabilities for weather and subseasonal to seasonal (S2S) timescales is underway at NOAA using the Finite Volume Cubed Sphere (FV3) dynamical core as the basis for the emerging unified system. This presentation will overview NOAA's strategic planning and current activities to improve prediction at S2S time-scales that are ongoing in response to the Weather Research and Forecasting Innovation Act of 2017, Section 201. Over the short-term, NOAA seeks to improve the operational capability through improvements to its ensemble forecast system to extend its range to 30 days using the new FV3 Global Forecast System model, and by using this system to provide reforecast and re-analyses. In parallel, work is ongoing to improve NOAA's operational product suite for 30 day outlooks for temperature, precipitation and extreme weather phenomena.
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Documentary Credit Transfer and Other Financing from What Can Match as Product of Credit
Directory of Open Access Journals (Sweden)
Libardo Quintero Salazar
2016-12-01
Full Text Available When a contract of international sale of goods is mediated by a form of payment as the documentary credit, exporters that initially lack financial resources to produce or obtain merchandise that then will be delivered to the importer, look as first natural possibility of financing the transfer for the documentary credit. Now not always the credit can be transferable in accordance with the Uniform Customs and Practice for Documentary Credits (UCP – because, for example, the importer or the financial entity do not want it in that way. Given the above scenario, this article aims to provide solutions, explaining legal alternatives for the exporter that is not in the UCP-, to use the money that might correspond as a result of the documentary credit, to finance the production or acquisition of goods against other traders, and then reselling them to the importer. It concludes that the exporter can achieve such immediate funding - similar to what encourage the transfer of documentary credit - using to their relations with the supplier, figures as the assignment of a future credit, banker’s acceptance and contract terms.
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Directory of Open Access Journals (Sweden)
Šabović Šerif
2015-01-01
Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.
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Inventory and Credit Decisions under Day-Terms Credit Linked Demand and Allowance for Bad Debts
Directory of Open Access Journals (Sweden)
K. K. Aggarwal
2014-01-01
Full Text Available In order to stimulate demand of their product, firms generally give credit period to their customers. However, selling on credit exposes the firms to the additional dimension of bad debts expense (i.e., customer’s default. Moreover, credit period through its influence on demand becomes a determinant of inventory decisions and inventory sold on credit gets converted to accounts receivable indicating the interaction between the two. Since inventory and credit decisions are interrelated, inventory decisions must be determined jointly with credit decisions. Consequently, in this paper, a mathematical model is developed to determine inventory and credit decisions jointly. The demand rate is assumed to be a logistic function of credit period. The accounts receivable carrying cost along with an explicit consideration of bad debt expense which have been often ignored in previous models are incorporated in the present model. The discounted cash flow approach (DCF is used to develop the model and the objective is to maximize the present value of the firm’s net profit per unit time. Finally, numerical example and sensitivity analysis have been done to illustrate the effectiveness of the proposed model.
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Credit Card Debt Hardship Letter Samples
lissa coffey
2016-01-01
Having trouble with your credit card debt? Below you will find examples of hardship letters. There are several things to consider when writing a credit card hardship letter. A hardship letter is the first step to letting the credit card company know that things are bad. This free credit card hardship letter sample is only a guide in order to start the negotiation. Credit card debt hardship letter example, hardship letter to credit card. If you are having trouble paying off your debt and need ...
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Carroll, T. R.; Cline, D. W.; Olheiser, C. M.; Rost, A. A.; Nilsson, A. O.; Fall, G. M.; Li, L.; Bovitz, C. T.
2005-12-01
NOAA's National Operational Hydrologic Remote Sensing Center (NOHRSC) routinely ingests all of the electronically available, real-time, ground-based, snow data; airborne snow water equivalent data; satellite areal extent of snow cover information; and numerical weather prediction (NWP) model forcings for the coterminous U.S. The NWP model forcings are physically downscaled from their native 13 km2 spatial resolution to a 1 km2 resolution for the CONUS. The downscaled NWP forcings drive an energy-and-mass-balance snow accumulation and ablation model at a 1 km2 spatial resolution and at a 1 hour temporal resolution for the country. The ground-based, airborne, and satellite snow observations are assimilated into the snow model's simulated state variables using a Newtonian nudging technique. The principle advantages of the assimilation technique are: (1) approximate balance is maintained in the snow model, (2) physical processes are easily accommodated in the model, and (3) asynoptic data are incorporated at the appropriate times. The snow model is reinitialized with the assimilated snow observations to generate a variety of snow products that combine to form NOAA's NOHRSC National Snow Analyses (NSA). The NOHRSC NSA incorporate all of the available information necessary and available to produce a "best estimate" of real-time snow cover conditions at 1 km2 spatial resolution and 1 hour temporal resolution for the country. The NOHRSC NSA consist of a variety of daily, operational, products that characterize real-time snowpack conditions including: snow water equivalent, snow depth, surface and internal snowpack temperatures, surface and blowing snow sublimation, and snowmelt for the CONUS. The products are generated and distributed in a variety of formats including: interactive maps, time-series, alphanumeric products (e.g., mean areal snow water equivalent on a hydrologic basin-by-basin basis), text and map discussions, map animations, and quantitative gridded products
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Credit cues and impression management: a preliminary attempt to explain the credit card effect.
McCall, Michael; Trombetta, Jessica; Gipe, Aimee
2004-08-01
Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.
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Permit trading and credit trading
DEFF Research Database (Denmark)
Boom, Jan-Tjeerd; R. Dijstra, Bouwe
This paper compares emissions trading based on a cap on total emissions (permit trading) and on relative standards per unit of output (credit trading). Two types of market structure are considered: perfect competition and Cournot oligopoly. We find that output, abatement costs and the number...... of firms are higher under credit trading. Allowing trade between permit-trading and credit-trading sectors may increase in welfare. With perfect competition, permit trading always leads to higher welfare than credit trading. With imperfect competition, credit trading may outperform permit trading....... Environmental policy can lead to exit, but also to entry of firms. Entry and exit have a profound impact on the performance of the schemes, especially under imperfect competition. We find that it may be impossible to implement certain levels of total industry emissions. Under credit trading several levels...
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Overrated credit risk: three essays on credit risk in turbulent times
Bongaerts, D.G.J.
2010-01-01
Credit markets have shown a dramatic development at the start of the 21st century. Increased regulatory pressure on financial institutions has spurred the development of innovative products that allow for transfer of credit risk. These developments lay at the base of the largest financial crisis
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National Oceanic and Atmospheric Administration, Department of Commerce — The water depth and temperature data was collected as part of Equatorial Pacific Ocean Climate Studies from NOAA Ship Discoverer and NOAA Ship Oceanographer. The...
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Jézabel Couppey-Soubeyran; Jérôme Héricourt
2013-01-01
Using a database of more than 1,300 firms from six countries in the MENA region, we study the impact of financial development on the relationship between trade credit on the one hand and bank credit access and firm-level characteristics, especially financial health, on the other hand. Trade credit use increases with the difficulty for gaining access to bank credit, and indicators of the quality of the firm's financial structure negatively influence the use of trade credit. Additional investig...
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The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand
Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David
2010-01-01
The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…
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NOAA NDBC SOS, 2007-present, currents
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NDBC SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have currents data. Because of the nature of SOS requests, requests for...
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NOAA Ship Okeanos Explorer Video Collection
National Oceanic and Atmospheric Administration, Department of Commerce — During each NOAA Ship Okeanos Explorer field season, full-resolution video in a ProRes 422 format at a bitrate of 145 Mbps is produced during each deployment of the...
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Hurricane Havoc - Mapping the Mayhem with NOAA's National Water Model
Aggett, G. R.; Stone, M.
2017-12-01
With Hurricane Irene as an example, this work demonstrates the versatility of NOAA's new National Water Model (NWM) as a tool for analyzing hydrologic hazards before, during, and after events. Hurricane Irene made landfall on the coast of North Carolina on August 27, 2011, and made its way up the East Coast over the next 3 days. This storm caused widespread flooding across the Northeast, where rain totals over 20" and wind speeds of 100mph were recorded, causing loss of life and significant damage to infrastructure. Large portions of New York and Vermont were some of the hardest hit areas. This poster will present a suite of post-processed products, derived from NWM output, that are currently being developed at NOAA's National Water Center in Tuscaloosa, AL. The National Water Model is allowing NOAA to expand its water prediction services to the approximately 2.7 million stream reaches across the U.S. The series of forecasted and real-time analysis products presented in this poster will demonstrate the strides NOAA is taking to increase preparedness and aid response to severe hydrologic events, like Hurricane Irene.
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Intertemporal consumption and credit constraints
DEFF Research Database (Denmark)
Leth-Petersen, Søren
2010-01-01
There is continuing controversy over the importance of credit constraints. This paper investigates whether total household expenditure and debt is affected by an exogenous increase in access to credit provided by a credit market reform that enabled Danish house owners to use housing equity...
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NOAA NDBC SOS, 2006-present, winds
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NDBC SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have winds data. Because of the nature of SOS requests, requests for data...
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Dynamic Diversification in Corporate Credit
DEFF Research Database (Denmark)
Christoffersen, Peter; Jacobs, Kris; Jin, Xisong
We characterize diversification in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between credit spread and equity return dependence dynamics. Modeling a decade...... the crisis and remain high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads....
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2010-01-01
... credit association investment in farmers' notes given to cooperatives and dealers. 615.5172 Section 615....5172 Production credit association and agricultural credit association investment in farmers' notes... farmers and ranchers eligible to borrow from such associations. (b) Such notes and other obligations...
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NOAA Weather Radio - EAS Description
Non-Zero All Hazards Logo Emergency Alert Description Event Codes Fact Sheet FAQ Organization Search Search For Go NWS All NOAA Emergency Alert System (EAS) List of EAS Event Codes NWS EAS fact sheet What Management Agency (FEMA) and the NWS, implements the EAS at the federal level. The EAS is the nation's public
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International Nuclear Information System (INIS)
Conde, J.M.; Recio, M.
2001-01-01
The status of development of burnup credit for criticality safety analyses in Spain is described in this paper. Ongoing activities in the country in this field, both national and international, are resumed. Burnup credit is currently being applied to wet storage of PWR fuel, and credit to integral burnable absorbers is given for BWR fuel storage. It is envisaged to apply burnup credit techniques to the new generation of transport casks now in the design phase. The analysis methodologies submitted for the analyses of PWR and BWR fuel wet storage are outlined. Analytical activities in the country are described, as well as international collaborations in this field. Perspectives for future research and development of new applications are finally resumed. (author)
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Workforce and graduate school outcomes of NOAA's Educational Partnership Program
Christenson, T.; Kaplan, M.
2017-12-01
Underrepresented groups, including Black, Hispanic, Native American, Alaska Native, Native Hawaiian and Pacific Island professionals remain underrepresented in STEM fields generally, and in the ocean and atmospheric sciences specifically. NOAA has tried to address this disparity through a number of initiatives under the Educational Partnership Program with Minority Serving Institutions (EPP MSI) which currently has two components: four Cooperative Science Centers (CSCs) aligned with NOAA's mission areas; and an Undergraduate Scholarship Program (USP), both established in 2001. In order to determine the outcomes for the program participants and the impacts of these programs on degree completions and on the workforce, the EPP MSI undertook a multi-pronged effort to identify career and education achievements for 80% of the approximately 1750 EPP MSI alumni, 75% of whom are from underrepresented groups. This was accomplished through 1) searching online resources (e.g. professional web pages, LinkedIn, etc.), 2) personal communication with program-associated faculty, 3) National Student Clearinghouse, 4) a survey of former scholars conducted by Insight Policy Research, and 5) self-reporting though NOAA's Voluntary Alumni Update System. Results show that 60% of CSC alumni currently hold an advanced degree in a STEM field with another 8% currently working toward one. 66% of EPP Undergraduate Scholars go to graduate school. 72% of CSC and USP alumni are currently employed in or pursuing a graduate degree in a NOAA-related* field. More than 70 CSC graduates currently work for NOAA as contractors or federal employees while more than 240 work for other government agencies. More than 400 are employed in the private sector. Of more than 225 PhD graduates, 66 have completed or currently hold post-doctoral positions in NOAA mission fields; 71 have held faculty positions at major universities. However, one challenge is retaining diverse STEM talent within the Geosciences in light
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Light, Noreen
2016-01-01
In 2015, legislation to improve access to dual-credit programs and to reduce disparities in access and completion--particularly for low income and underrepresented students--was enacted. The new law focused on expanding access to College in the High School but acknowledged issues in other dual-credit programs and reinforced the notion that cost…
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NOAA-L satellite is mated to Apogee Kick Motor at Vandenberg AFB
2000-01-01
Inside the B16-10 spacecraft processing hangar at Vandenberg Air Force Base, Calif., workers oversee the mating of the Apogee Kick Motor (below) to the National Oceanic and Atmospheric Administration (NOAA-L) satellite above. NOAA-L is part of the Polar-Orbiting Operational Environmental Satellite (POES) program that provides atmospheric measurements of temperature, humidity, ozone and cloud images, tracking weather patterns that affect the global weather and climate. The launch of the NOAA-L satellite is scheduled no earlier than Sept. 12 aboard a Lockheed Martin Titan II rocket. NOAA predicts active 2013 Atlantic hurricane season
(discussion) El Niño/Southern Oscillation (ENSO) Diagnostic Discussion National Hurricane Preparedness Week in both English and Spanish, featuring NOAA hurricane experts and the FEMA administrator at
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The NOAA and MMS Marine Minerals Bibliography
National Oceanic and Atmospheric Administration, Department of Commerce — From 1983 through 1992, the National Oceanic and Atmospheric Administration (NOAA) National Geophysical Data Center (NGDC) compiled a comprehensive, computerized...
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Limited take-up of health coverage tax credits: a challenge to future tax credit design.
Dorn, Stan; Varon, Janet; Pervez, Fouad
2005-10-01
The Trade Act of 2002 created federal tax credits to subsidize health coverage for certain early retirees and workers displaced by international trade. Though small, this program offers the opportunity to learn how to design future tax credits for larger groups of uninsured. During September 2004, the most recent month for which there are data about all forms of Trade Act credits, roughly 22 percent of eligible individuals received credits. The authors find that health insurance tax credits are more likely to reach their target populations if such credits: 1) limit premium costs for the low-income uninsured and do not require full premium payments while applications are pending; 2) provide access to coverage that beneficiaries value, including care for preexisting conditions; 3) are combined with outreach that uses easily understandable, multilingual materials and proactive enrollment efforts; and 4) feature a simple application process involving one form filed with one agency.
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2010-01-01
..., Risk Management, Farm Credit System Insurance Corporation. (f) A direct lender association shall... Administration office that the Chief Examiner designates, and the Director, Risk Management, Farm Credit System... Credit Banks or agricultural credit banks and direct lender associations. 614.4125 Section 614.4125 Banks...
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National Oceanic and Atmospheric Administration, Department of Commerce — CTD data were collected from CTD casts from NOAA Ship DISCOVERER and NOAA Ship SURVEYOR in the Northeast Pacific Ocean from 03 June 1985 to 21 September 1988. Data...
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Follow Up: Credit Card Caution
Cahill, Timothy P.
2007-01-01
In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students…
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49 CFR 260.13 - Credit reform.
2010-10-01
... appropriations, direct payment of a Credit Risk Premium by the Applicant or a non-Federal infrastructure partner... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act...
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76 FR 79531 - Corporate Credit Unions
2011-12-22
... exclude CLF stock subscriptions, based on the asset's negligible credit risk and to facilitate corporate... removing paragraphs (c)(3) and (f)(4) and adding paragraph (h) to read as follows: Sec. 704.6 Credit risk... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY...
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Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.
Jensen, Barbara J.; And Others
This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…
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12 CFR 614.4720 - Letters of credit.
2010-01-01
... Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks for Cooperatives and Agricultural Credit Banks Financing International Trade § 614.4720 Letters of credit. Banks for cooperatives and agricultural credit banks, under policies adopted by their boards of directors...
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Temperature, All Surface, NOAA POES AVHRR, LAC, 0.0125 degrees, West US, Daytime
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA CoastWatch provides surface temperature products derived from NOAA's Polar Operational Environmental Satellites (POES). This data is provided at high resolution...
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Mahata, Puspita; Mahata, Gour Chandra; Kumar De, Sujit
2018-03-01
Traditional supply chain inventory modes with trade credit usually only assumed that the up-stream suppliers offered the down-stream retailers a fixed credit period. However, in practice the retailers will also provide a credit period to customers to promote the market competition. In this paper, we formulate an optimal supply chain inventory model under two levels of trade credit policy with default risk consideration. Here, the demand is assumed to be credit-sensitive and increasing function of time. The major objective is to determine the retailer's optimal credit period and cycle time such that the total profit per unit time is maximized. The existence and uniqueness of the optimal solution to the presented model are examined, and an easy method is also shown to find the optimal inventory policies of the considered problem. Finally, numerical examples and sensitive analysis are presented to illustrate the developed model and to provide some managerial insights.
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Sistem Receiver Satelit NOAA pada Frekuensi 137,9 MHz
Directory of Open Access Journals (Sweden)
Nuhung Suleman
2017-10-01
Full Text Available Radio cuaca yang diusulkan terdiri atas rangkaian radio penerima, perangkat lunak untuk translasi data cuaca dari satelit menjadi data cuaca yang mudah dibaca oleh pengguna (nelayan disimpan dalam EPROM yang dapat diintegrasikan pada radio cuaca. Radio cuaca yang diusulkan juga memiliki sistem deteksi penerimaan data satelit cuaca NOAA melalui program aplikasi pewaktu (timer yang dapat mengaktifkan radio cuaca sekitar 5 menit sebelum waktu satelit NOAA melintasi Indonesia. Karena perangkat lunak/aplikasi disimpan dalam EPROM maka tidak diperlukan komputer untuk mengoperasikan radio cuaca.
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Who Gets the Credit? Who Pays the Consequences? The Illinois Tuition Tax Credit. Special Report.
Pathak, Arohi; Keenan, Nancy
In 1999, Illinois enacted a tuition tax credit program. Tax credit supporters suggest tax credits help low-income students. However, opponents argue that they disproportionately benefit higher-income families whose children are already attending private schools and may decrease already limited resources available to public schools. New data from…
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Forecasting the value of credit scoring
Saad, Shakila; Ahmad, Noryati; Jaffar, Maheran Mohd
2017-08-01
Nowadays, credit scoring system plays an important role in banking sector. This process is important in assessing the creditworthiness of customers requesting credit from banks or other financial institutions. Usually, the credit scoring is used when customers send the application for credit facilities. Based on the score from credit scoring, bank will be able to segregate the "good" clients from "bad" clients. However, in most cases the score is useful at that specific time only and cannot be used to forecast the credit worthiness of the same applicant after that. Hence, bank will not know if "good" clients will always be good all the time or "bad" clients may become "good" clients after certain time. To fill up the gap, this study proposes an equation to forecast the credit scoring of the potential borrowers at a certain time by using the historical score related to the assumption. The Mean Absolute Percentage Error (MAPE) is used to measure the accuracy of the forecast scoring. Result shows the forecast scoring is highly accurate as compared to actual credit scoring.
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SST, NOAA POES AVHRR, LAC, 0.0125 degrees, West US, Day and Night
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA CoastWatch provides sea surface temperature (SST) products derived from NOAA's Polar Operational Environmental Satellites (POES). This data is provided at high...
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NOAA declares string of seal deaths in New England an unusual mortality
A virus found in these animals. Seals, like other marine mammals (dolphins, whales, and sea lions Information for NOAA Employees Related Links Marine Mammal Unusual Mortality Events Marine Mammal Health and Rowles, National Marine Mammal Health and Stranding Response Program Coordinator, NOAA Fisheries Service
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NOAA Daily Optimum Interpolation Sea Surface Temperature
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA 1/4° daily Optimum Interpolation Sea Surface Temperature (or daily OISST) is an analysis constructed by combining observations from different platforms...
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CREDIT Performance Indicator Framework
DEFF Research Database (Denmark)
Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim
2010-01-01
During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... estate sector each addressing three interlinked levels: building/ projects level, company or enterprise level and benchmarking system level. Additionally it has been based on dialogue with researchers and professional organisation, international research and standardisation work and national building...
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12 CFR 704.6 - Credit risk management.
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit risk management. 704.6 Section 704.6... CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate according to a credit risk management policy that is commensurate with the investment risks and activities...
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NASA, NOAA administrators nominated
Richman, Barbara T.
President Ronald Reagan recently said he intended to nominate James Montgomery Beggs as NASA Administrator and John V. Byrne as NOAA Administrator. These two positions are key scientific posts that have been vacant since the start of the Reagan administration on January 20. The President also said he intends to nominate Hans Mark as NASA Deputy Administrator. At press time, Reagan had not designated his nominee for the director of the Office of Science and Technology Policy.
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Private Sector Credit and Inflation Volatility
Directory of Open Access Journals (Sweden)
Lorna Katusiime
2018-04-01
Full Text Available This paper investigates the effect of inflation volatility on private sector credit growth. The results indicate that private sector credit growth is positively linked to the one period lagged inflation volatility. Given that past monetary policy actions continue to affect the targeted variables due to the substantial lags in the transmission mechanism, the positive response of private sector credit growth to past inflation volatility suggests a credible monetary policy regime in Uganda, which has led to a reduction in the level of macroeconomic uncertainty and the restoration of favorable economic conditions and prospects, thus increasing the demand for credit. Further, the study finds that the lagged private sector credit growth, nominal exchange rate, and inflation have a statistically significant effect on private sector credit growth while financial innovation, interest rates, and GDP growth appear not to be important determinants of private sector credit growth. The robustness of our findings is confirmed by sensitivity checks.
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12 CFR 619.9145 - Farm Credit Bank.
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...
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Austin, M.
2016-12-01
The National Oceanic and Atmospheric Administration (NOAA) observing system enterprise represents a $2.4B annual investment. Earth observations from these systems are foundational to NOAA's mission to describe, understand, and predict the Earth's environment. NOAA's decision makers are charged with managing this complex portfolio of observing systems to serve the national interest effectively and efficiently. The Technology Planning & Integration for Observation (TPIO) Office currently maintains an observing system portfolio for NOAA's validated user observation requirements, observing capabilities, and resulting data products and services. TPIO performs data analytics to provide NOAA leadership business case recommendations for making sound budgetary decisions. Over the last year, TPIO has moved from massive spreadsheets to intuitive dashboards that enable Federal agencies as well as the general public the ability to explore user observation requirements and environmental observing systems that monitor and predict changes in the environment. This change has led to an organizational data management shift to analytics and visualizations by allowing analysts more time to focus on understanding the data, discovering insights, and effectively communicating the information to decision makers. Moving forward, the next step is to facilitate a cultural change toward self-serve data sharing across NOAA, other Federal agencies, and the public using intuitive data visualizations that answer relevant business questions for users of NOAA's Observing System Enterprise. Users and producers of environmental data will become aware of the need for enhancing communication to simplify information exchange to achieve multipurpose goals across a variety of disciplines. NOAA cannot achieve its goal of producing environmental intelligence without data that can be shared by multiple user communities. This presentation will describe where we are on this journey and will provide examples of
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2010-10-01
... 47 Telecommunication 2 2010-10-01 2010-10-01 false Time sharing between NOAA meteorological... SATELLITE COMMUNICATIONS Technical Standards § 25.259 Time sharing between NOAA meteorological satellite... Atmospheric Administration (“NOAA”) satellite systems. When calculating the protection areas for a NOAA...
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NOAA's Big Data Partnership at the National Centers for Environmental Information
Kearns, E. J.
2015-12-01
In April of 2015, the U.S. Department of Commerce announced NOAA's Big Data Partnership (BDP) with Amazon Web Services, Google Cloud Platform, IBM, Microsoft Corp., and the Open Cloud Consortium through Cooperative Research and Development Agreements. Recent progress on the activities with these Partners at the National Centers for Environmental Information (NCEI) will be presented. These activities include the transfer of over 350 TB of NOAA's archived data from NCEI's tape-based archive system to BDP cloud providers; new opportunities for data mining and investigation; application of NOAA's data maturity and stewardship concepts to the BDP; and integration of both archived and near-realtime data streams into a synchronized, distributed data system. Both lessons learned and future opportunities for the environmental data community will be presented.
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CORRELATED ANALYSIS OF CLIENT-CREDIT COST WITH THE ONE OF SUPPLIER - CREDIT COST
Directory of Open Access Journals (Sweden)
MIRELA MONEA
2012-01-01
Full Text Available The given client-credit has associated several types of costs. If a company gives client-credit for a certain period of time, then it will have to finance its activity from other sources. Another aspect is the one related to the size of allotted sum. The sum that must be covered does not equal the turnover. The impact on financing the operating cycle is found usually only under the form of expenses which are made up of variable costs (because amortization must not be paid, the profit is included in the price. Thus, the sum which must be covered is not related to the non-cashed turnover from the client-credit, but only to variable costs. This will be the sum that must be covered from the financing sources. Supplier-credit is a source attracted, usually it has no cost.
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Trade credit supply, market power and the matching of trade credit terms
Fabbri, D.; Klapper, L.F.
2008-01-01
This paper studies the decision of firms to extend trade credit to customers and its relation with their financing decisions. We use a novel firm-level database with unique information on market power in both output and input markets and on the amount, terms and payment history of trade credit
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2010-02-09
...-04] RIN 0648-ZC10 NOAA Great Lakes Habitat Restoration Program Project Grants under the Great Lakes... Atmospheric Administration (NOAA), Department of Commerce. ACTION: Notice of funding availability; Date... on January 19, 2010. That notice announced the NOAA Great Lakes Habitat Restoration Program Project...
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2011-08-30
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration Proposed Information Collection; Comment Request; NOAA Satellite Ground Station Customer Questionnaire AGENCY: National Oceanic... asks people who operate ground receiving stations that receive data from NOAA satellites to complete a...
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Did Globalization Influence Credit Market Deregulation
Eppinger, Peter; Potrafke, Niklas
2015-01-01
We investigate whether globalization influenced credit market deregulation over the period 1970-2010. Globalization is measured by the KOF indices of globalization. Credit market deregulation is measured by the credit market freedom indicators of the Fraser Institute. The results from both cross-sectional and panel regressions using ordinary least squares indicate a positive correlation between globalization and credit market deregulation. We account for reverse causality by using predicted t...
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Service quality in consumer's credit branch
Blechová, Věra
2008-01-01
The diploma thesis deals with consumer's credit grants of banking and non-banking corporations and comparison of their service quality. The first part of research is dedicated to consumer's knowledge of credit issues. Second describes main difficulties of consumer's credit grants of banking and non-banking corporations and proves their use of unfair manners. The final part of thesis propose improvements, which will boost consumer's protection on field of consumer's credits.
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Value of burnup credit beyond actinides
International Nuclear Information System (INIS)
Lancaster, D.; Fuentes, E.; Kang, Chi.
1997-01-01
DOE has submitted a topical report to the NRC justifying burnup credit based only on actinide isotopes (U-234, U-235, U-236, U-238, Pu-238, Pu-239, Pu-240, Pu-241, Pu-242, and Am-241). When this topical report is approved, it will allow a great deal of the commercial spent nuclear fuel to be transported in significantly higher capacity casks. A cost savings estimate for shipping fuel in 32 assembly (burnup credit) casks as opposed to 24 assembly (non-burnup credit) casks was previously presented. Since that time, more detailed calculations have been performed using the methodology presented in the Actinide-Only Burnup Credit Topical Report. Loading curves for derated casks have been generated using actinide-only burnup credit and are presented in this paper. The estimates of cost savings due to burnup credit for shipping fuel utilizing 32, 30, 28, and 24 assembly casks where only the 24 assembly cask does not burnup credit have been created and are discussed. 4 refs., 2 figs
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12 CFR 619.9140 - Farm Credit bank(s).
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...
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Donoho, N.; Graumann, A.; McNamara, D. P.
2015-12-01
In this presentation we will highlight access and availability of NOAA satellite data for near real time (NRT) and retrospective product users. The presentation includes an overview of the current fleet of NOAA satellites and methods of data distribution and access to hundreds of imagery and products offered by the Environmental Satellite Processing Center (ESPC) and the Comprehensive Large Array-data Stewardship System (CLASS). In particular, emphasis on the various levels of services for current and past observations will be presented. The National Environmental Satellite, Data, and Information Service (NESDIS) is dedicated to providing timely access to global environmental data from satellites and other sources. In special cases, users are authorized direct access to NESDIS data distribution systems for environmental satellite data and products. Other means of access include publicly available distribution services such as the Global Telecommunication System (GTS), NOAA satellite direct broadcast services and various NOAA websites and ftp servers, including CLASS. CLASS is NOAA's information technology system designed to support long-term, secure preservation and standards-based access to environmental data collections and information. The National Centers for Environmental Information (NCEI) is responsible for the ingest, quality control, stewardship, archival and access to data and science information. This work will also show the latest technology improvements, enterprise approach and future plans for distribution of exponentially increasing data volumes from future NOAA missions. A primer on access to NOAA operational satellite products and services is available at http://www.ospo.noaa.gov/Organization/About/access.html. Access to post-operational satellite data and assorted products is available at http://www.class.noaa.gov
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Calem, P.; Cannon, M.; Nakamura, L.I.
2011-01-01
We empirically study how the underlying riskiness of the pool of home equity line of credit originations is affected over the credit cycle. Drawing from the largest existing database of U.S. home equity lines of credit, we use county-level aggregates of these loans to estimate panel regressions on
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NOAA NOS SOS, EXPERIMENTAL, 1902-present, Salinity
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have salinity data. *These services are for testing and evaluation use...
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NOAA NOS SOS, EXPERIMENTAL, 1902-present, Conductivity
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have conductivity data. *These services are for testing and evaluation use...
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24 CFR 206.37 - Credit standing.
2010-04-01
... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgagors § 206.37 Credit standing. Each mortgagor must have a general credit standing satisfactory to the Secretary. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Credit standing. 206.37 Section 206...
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Study: Ozone Layer's Future Linked Strongly to Changes in Climate
balloon to measure of the vertical profile of the ozone layer. NOAA scientists launch an ozonesonde via balloon to measure of the vertical profile of the ozone layer. NOAA releases ozonesondes at eight sites to continuously monitor stratospheric ozone. Download here. (Credit: NOAA) The ozone layer - the thin
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Current Operational Use of and Future Needs for Microwave Imagery at NOAA
Goldberg, M.; McWilliams, G.; Chang, P.
2017-12-01
There are many applications of microwave imagery served by NOAA's operational products and services. They include the use of microwave imagery and derived products for monitoring precipitation, tropical cyclones, sea surface temperature under all weather conditions, wind speed, snow and ice cover, and even soil moisture. All of NOAA's line offices including the National Weather Service, National Ocean Service, National Marine Fisheries Service, and Office of Oceanic and Atmospheric Research rely on microwave imagery. Currently microwave imagery products used by NOAA come from a constellation of satellites that includes Air Force's Special Sensor Microwave Imager Sounder (SSMIS), the Japanese Advanced Microwave Scanning Radiometer (AMSR), the Navy's WindSat, and NASA's Global Precipitation Monitoring (GPM) Microwave Imager (GMI). Follow-on missions for SSMIS are very uncertain, JAXA approval for a follow-on to AMSR2 is still pending, and GMI is a research satellite (lacking high-latitude coverage) with no commitment for operational continuity. Operational continuity refers to a series of satellites, so when one satellite reaches its design life a new satellite is launched. EUMETSAT has made a commitment to fly a microwave imager in the mid-morning orbit. China and Russia have demonstrated on-orbit microwave imagers. Of utmost importance to NOAA, however, is the quality, access, and latency of the data This presentation will focus on NOAA's current requirements for microwave imagery data which, for the most part, are being fulfilled by AMSR2, SSMIS, and WindSat. It will include examples of products and applications of microwave imagery at NOAA. We will also discuss future needs, especially for improved temporal resolution which hopefully can be met by an international constellation of microwave imagers. Finally, we will discuss what we are doing to address the potential gap in imagery.
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78 FR 25101 - Credit Ratings Roundtable
2013-04-29
... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-69433; File No. 4-661] Credit Ratings... examine issues in connection with the possibility of developing a credit rating assignment system. The... FURTHER INFORMATION CONTACT: Scott Davey at (212) 336-0075, Office of Credit Ratings, Securities and...
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2010-03-19
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration NOAA Is Hosting a Series of Informational Webinars for Individuals and Organizations To Learn About the Proposed NOAA Climate Service AGENCY: Office of Oceanic and Atmospheric Research, National Oceanic and Atmospheric Administration (NOAA...
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NOAA/NCEP Global Forecast System (GFS) Atmospheric Model
National Oceanic and Atmospheric Administration, Department of Commerce — U.S. National Oceanic and Atmospheric Administration (NOAA) National Centers for Environmental Prediction (NCEP) Global Forecast System (GFS) numerical weather...
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NOAA Geostationary Operational Environmental Satellite (GOES) Imager Data
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Geostationary Operational Environmental Satellite (GOES) series provides continuous measurements of the atmosphere and surface over the Western Hemisphere....
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Agricultural Credit Discount Fund – Agribusiness support credit line - Macedonian experience
Kovachev, Goran
2012-01-01
The main objective of this study is to emphasize the importance of creating special governmental refinancing institutions targeted towards strategic economic sectors. Such institution in Macedonia is Agricultural Credit Discount Fund, a separate unit within the Macedonian Bank for Development Promotion that administers a credit line meant to support the agribusiness. As it is commonly known agriculture is one of the most important economic sectors of the country. The ACDF's 'modus operandi' i...
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A Mechanism for Anonymous Credit Card Systems
Tamura, Shinsuke; Yanase, Tatsuro
This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.
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75 FR 64785 - Corporate Credit Unions
2010-10-20
... management (ALM) and credit risk, and whether to make modifications in the area of corporate governance. NCUA... the revisions, an analysis of how the final investment, credit risk, and asset liability provisions..., credit risk, ALM, liquidity, and capital measures that together should greatly reduce the systemic risk...
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12 CFR 706.2 - Unfair credit practices.
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Unfair credit practices. 706.2 Section 706.2 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CREDIT... attachment, execution, or other process on real or personal property held, owned by, or due to the consumer...
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Trade credit: Elusive insurance of firm growth
Bams, Dennis; Bos, Jaap; Pisa, Magdalena
2016-01-01
Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit
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Modeling Cycle Dependence in Credit Insurance
Directory of Open Access Journals (Sweden)
Anisa Caja
2014-03-01
Full Text Available Business and credit cycles have an impact on credit insurance, as they do on other businesses. Nevertheless, in credit insurance, the impact of the systemic risk is even more important and can lead to major losses during a crisis. Because of this, the insurer surveils and manages policies almost continuously. The management actions it takes limit the consequences of a downturning cycle. However, the traditional modeling of economic capital does not take into account this important feature of credit insurance. This paper proposes a model aiming to estimate future losses of a credit insurance portfolio, while taking into account the insurer’s management actions. The model considers the capacity of the credit insurer to take on less risk in the case of a cycle downturn, but also the inverse, in the case of a cycle upturn; so, losses are predicted with a more dynamic perspective. According to our results, the economic capital is over-estimated when not considering the management actions of the insurer.
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NOAA Ship Fairweather Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Fairweather Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Rainier Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Rainier Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Global Surface Temperature Dataset, Version 4.0
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Global Surface Temperature Dataset (NOAAGlobalTemp) is derived from two independent analyses: the Extended Reconstructed Sea Surface Temperature (ERSST)...
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76 FR 24089 - Credit Risk Retention
2011-04-29
... 17 CFR Part 246 Department of Housing and Urban Development 24 CFR Part 267 Credit Risk Retention... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC..., Commission, FHFA, and HUD (the Agencies) are proposing rules to implement the credit risk retention...
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Rare Disasters and Credit Market Puzzles
DEFF Research Database (Denmark)
Christoffersen, Peter; Du, Du; Elkamhi, Redouane
to the real economy and not to bond prices can simultaneously explain several key empirical regularities in credit markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed spreads...
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40 CFR 91.1307 - Credit calculation.
2010-07-01
... family in kW (sales weighted). The power of each configuration is the rated output in kilowatts as....1307 Credit calculation. For each participating engine family, emission credits (positive or negative... for an engine family whether generating positive or negative in-use emission credits: ER04oc96.053...
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Burroughs, J.; Baldwin, R.; Herring, D.; Lott, N.; Boyd, J.; Handel, S.; Niepold, F.; Shea, E.
2010-09-01
With the rapid rise in the development of Web technologies and climate services across NOAA, there has been an increasing need for greater collaboration regarding NOAA's online climate services. The drivers include the need to enhance NOAA's Web presence in response to customer requirements, emerging needs for improved decision-making capabilities across all sectors of society facing impacts from climate variability and change, and the importance of leveraging climate data and services to support research and public education. To address these needs, NOAA (during fiscal year 2009) embarked upon an ambitious program to develop a NOAA Climate Services Portal (NCS Portal). Four NOAA offices are leading the effort: 1) the NOAA Climate Program Office (CPO), 2) the National Ocean Service's Coastal Services Center (CSC), 3) the National Weather Service's Climate Prediction Center (CPC), and 4) the National Environmental Satellite, Data, and Information Service's (NESDIS) National Climatic Data Center (NCDC). Other offices and programs are also contributing in many ways to the effort. A prototype NCS Portal is being placed online for public access in January 2010, http://www.climate.gov. This website only scratches the surface of the many climate services across NOAA, but this effort, via direct user engagement, will gradually expand the scope and breadth of the NCS Portal to greatly enhance the accessibility and usefulness of NOAA's climate data and services.
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75 FR 10755 - Proposed Information Collection; Comment Request; 2010 NOAA Engagement Survey Tool
2010-03-09
... instrument will be used by NOAA's Office of Education and the Gulf of Mexico Regional Collaboration Team to... Koch, Director, NOAA Office of Education, (202) 482-2563 or [email protected] . SUPPLEMENTARY... public goods used in public and private sectors, science institutions and households around the world...
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NOAA Ship Pisces Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Pisces Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System (SAMOS)...
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20 CFR 227.5 - Employer tax credits.
2010-04-01
... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Employer tax credits. 227.5 Section 227.5... SUPPLEMENTAL ANNUITIES § 227.5 Employer tax credits. Employers are entitled to tax credits if they pay non.... The tax credits for each month equal the sum of the reductions for employer pensions in the...
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76 FR 34010 - Credit Risk Retention
2011-06-10
... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC... credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Credit Risk NPR'' or ``proposed rule...
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2010-10-01
... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...
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New Developments in NOAA's Comprehensive Large Array-Data Stewardship System
Ritchey, N. A.; Morris, J. S.; Carter, D. J.
2012-12-01
The Comprehensive Large Array-data Stewardship System (CLASS) is part of the NOAA strategic goal of Climate Adaptation and Mitigation that gives focus to the building and sustaining of key observational assets and data archives critical to maintaining the global climate record. Since 2002, CLASS has been NOAA's enterprise solution for ingesting, storing and providing access to a host of near real-time remote sensing streams such as the Polar and Geostationary Operational Environmental Satellites (POES and GOES) and the Defense Meteorological Satellite Program (DMSP). Since October, 2011 CLASS has also been the dedicated Archive Data Segment (ADS) of the Suomi National Polar-orbiting Partnership (S-NPP). As the ADS, CLASS receives raw and processed S-NPP records for archival and distribution to the broad user community. Moving beyond just remote sensing and model data, NOAA has endorsed a plan to migrate all archive holdings from NOAA's National Data Centers into CLASS while retiring various disparate legacy data storage systems residing at the National Climatic Data Center (NCDC), National Geophysical Data Center (NGDC) and the National Oceanographic Data Center (NODC). In parallel to this data migration, CLASS is evolving to a service-oriented architecture utilizing cloud technologies for dissemination in addition to clearly defined interfaces that allow better collaboration with partners. This evolution will require implementation of standard access protocols and metadata which will lead to cost effective data and information preservation.
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12 CFR 702.108 - Risk mitigation credit.
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...
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11 CFR 100.55 - Extension of credit.
2010-01-01
... substantially similar to extensions of credit to nonpolitical debtors that are of similar risk and size of... 11 Federal Elections 1 2010-01-01 2010-01-01 false Extension of credit. 100.55 Section 100.55... Contribution (2 U.S.C. 431(8)) § 100.55 Extension of credit. The extension of credit by any person is a...
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Credit in Acceptance Sampling on Attributes
Klaassen, Chris A.J.
2000-01-01
Credit is introduced in acceptance sampling on attributes and a Credit Based Acceptance sampling system is developed that is very easy to apply in practice.The credit of a producer is defined as the total number of items accepted since the last rejection.In our sampling system the sample size for a
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2010-10-01
... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...
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Sjoberg, W.; McWilliams, G.
2017-12-01
This presentation will focus on the continuity of the NOAA Joint Polar Satellite System (JPSS) Program's Proving Ground and Risk Reduction (PGRR) and key activities of the PGRR Initiatives. The PGRR Program was established in 2012, following the launch of the Suomi National Polar Partnership (SNPP) satellite. The JPSS Program Office has used two PGRR Project Proposals to establish an effective approach to managing its science and algorithm teams in order to focus on key NOAA missions. The presenter will provide details of the Initiatives and the processes used by the initiatives that have proven so successful. Details of the new 2017 PGRR Call-for-Proposals and the status of project selections will be discussed.
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A Network Model of Credit Risk Contagion
Directory of Open Access Journals (Sweden)
Ting-Qiang Chen
2012-01-01
Full Text Available A network model of credit risk contagion is presented, in which the effect of behaviors of credit risk holders and the financial market regulators and the network structure are considered. By introducing the stochastic dominance theory, we discussed, respectively, the effect mechanisms of the degree of individual relationship, individual attitude to credit risk contagion, the individual ability to resist credit risk contagion, the monitoring strength of the financial market regulators, and the network structure on credit risk contagion. Then some derived and proofed propositions were verified through numerical simulations.
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12 CFR 226.12 - Special credit card provisions.
2010-01-01
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...
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NOAA's Estuarine Living Marine Resources (ELMR) Data Base
National Oceanic and Atmospheric Administration, Department of Commerce — In 1985, NOAA launched the Estuarine Living Marine Resources (ELMR) Program to develop a consistent data base on the distribution, relative abundance, and life...
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2008-01-01
San Diego Diane Gendron Centro Interdisciplinario de Ciencias Marinas Kelly Robertson Southwest Fisheries Science Center- NMFS/NOAA P A P E R Insights...archival tags have begun to provide more details about underwater behaviors, in- cluding feeding and social behaviors (Goldbogen et al., 2006; Oleson...Volume 41, Number 4 TABLE 2 Summary of deployments of CRITTERCAMS used in this article . TABLE 3 Summary of resightings based on photo-ID of whales in this
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76 FR 54991 - Corporate Credit Unions
2011-09-06
... believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is... credit union excludes the consolidated assets of such programs from risk-weighted assets pursuant to... paragraphs (c)(3) and (f)(4) and adding new p(h) to read as follows: Sec. 704.6 Credit risk management...
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Mammography screening credit card and compliance.
Schapira, D V; Kumar, N B; Clark, R A; Yag, C
1992-07-15
Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.
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Advances of NOAA Training Program in Climate Services
Timofeyeva, M. M.
2012-12-01
Since 2002, NOAA's National Weather Service (NWS) Climate Services Division (CSD) has offered numerous training opportunities to NWS staff. After eight-years of development, the training program offers three instructor-led courses and roughly 25 online (distance learning) modules covering various climate topics, such as: climate data and observations, climate variability and change, and NWS national / local climate products (tools, skill, and interpretation). Leveraging climate information and expertise available at all NOAA line offices and partners allows for the delivery of the most advanced knowledge and is a very critical aspect of the training program. The emerging NOAA Climate Service (NCS) requires a well-trained, climate-literate workforce at the local level capable of delivering NOAA's climate products and services as well as providing climate-sensitive decision support. NWS Weather Forecast Offices and River Forecast Centers presently serve as local outlets for the NCS climate services. Trained NWS climate service personnel use proactive and reactive approaches and professional education methods in communicating climate variability and change information to local users. Both scientifically-sound messages and amiable communication techniques are important in developing an engaged dialog between the climate service providers and users. Several pilot projects have been conducted by the NWS CSD this past year that apply the program's training lessons and expertise to specialized external user group training. The technical user groups included natural resources managers, engineers, hydrologists, and planners for transportation infrastructure. Training of professional user groups required tailoring instructions to the potential applications for each group of users. Training technical users identified the following critical issues: (1) knowledge of target audience expectations, initial knowledge status, and potential use of climate information; (2) leveraging
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2010-04-01
... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Tax credit. 46.223 Section... for Sale on April 1, 2009 Tax Liability Calculation § 46.223 Tax credit. The dealer is allowed a credit of up to $500 against the total floor stocks tax. However, controlled groups are eligible for only...
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Indian Kisan Credit Card Scheme: An Analytical Study
Directory of Open Access Journals (Sweden)
Dharmendra Mehta
2016-03-01
Full Text Available Kisan Credit Card (KCC has now been regarded as the only medium of short-term credit for agriculture. The Kisan Credit Card (KCC scheme was introduced by the Finance Minister in his budget speech in the year 1998-99. From the year 1998-99, the scheme was implemented by public sector commercial banks, RRBs (Regional Rural Banks and cooperative banks in the country. It has emerged as an innovative credit distribution system to meet the production credit requirements of the farmers in a timely and easy manner. The present paper is aimed to study role of Kisan Credit Card in the rural credit facilitation in India.
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2011 NOAA Ortho-rectified Mosaic of Galveston, Texas
National Oceanic and Atmospheric Administration, Department of Commerce — This data set contains ortho-rectified mosaic tiles, created as a product from the NOAA Integrated Ocean and Coastal Mapping (IOCM) initiative. The source imagery...
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15 CFR Appendix A to Part 950 - Schedule of User Fees for Access to NOAA Environmental Data
2010-01-01
... NOAA Environmental Data A Appendix A to Part 950 Commerce and Foreign Trade Regulations Relating to..., App. A Appendix A to Part 950—Schedule of User Fees for Access to NOAA Environmental Data Name of product/data/publication/information/service Current fee New fee NOAA National Data Centers Standard User...
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THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.
Directory of Open Access Journals (Sweden)
Laércio Baptista da Silva
2013-06-01
Full Text Available This study presents an analysis of the reality of credit unions in Brazil, in view of the singular importance of credit unions for the whole society as an alternative to private resources in favor of members of the community where they are located. It confirms that, in Brazil, the mutual credit unions, besides being presented as one of the viable options within the financial system, are also seen as an alternative by which some sectors of society promote the humanization of the financial system by offering credit and return on capital with fairer interest rates.
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Solar tax credits: the U.S. experience
International Nuclear Information System (INIS)
Sallmen Smith, L.J.
1990-01-01
From 1978 to 1985, the U.S. Federal government used income tax credits to induce taxpayers to purchase residential solar energy devices. These credits resulted in a significant number of households installing solar devices during the credit period but subsequently devastated the solar industry. Numerous structural problems with the credits and the failure to address important issues in the legislation led to this result. (Author)
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Cheng, X.; Degryse, H.A.
2010-01-01
We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks’ lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not
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NOAA's Data Catalog and the Federal Open Data Policy
Wengren, M. J.; de la Beaujardiere, J.
2014-12-01
The 2013 Open Data Policy Presidential Directive requires Federal agencies to create and maintain a 'public data listing' that includes all agency data that is currently or will be made publicly-available in the future. The directive requires the use of machine-readable and open formats that make use of 'common core' and extensible metadata formats according to the best practices published in an online repository called 'Project Open Data', to use open licenses where possible, and to adhere to existing metadata and other technology standards to promote interoperability. In order to meet the requirements of the Open Data Policy, the National Oceanic and Atmospheric Administration (NOAA) has implemented an online data catalog that combines metadata from all subsidiary NOAA metadata catalogs into a single master inventory. The NOAA Data Catalog is available to the public for search and discovery, providing access to the NOAA master data inventory through multiple means, including web-based text search, OGC CS-W endpoint, as well as a native Application Programming Interface (API) for programmatic query. It generates on a daily basis the Project Open Data JavaScript Object Notation (JSON) file required for compliance with the Presidential directive. The Data Catalog is based on the open source Comprehensive Knowledge Archive Network (CKAN) software and runs on the Amazon Federal GeoCloud. This presentation will cover topics including mappings of existing metadata in standard formats (FGDC-CSDGM and ISO 19115 XML ) to the Project Open Data JSON metadata schema, representation of metadata elements within the catalog, and compatible metadata sources used to feed the catalog to include Web Accessible Folder (WAF), Catalog Services for the Web (CS-W), and Esri ArcGIS.com. It will also discuss related open source technologies that can be used together to build a spatial data infrastructure compliant with the Open Data Policy.
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49 CFR 536.8 - Conditions for trading of credits.
2010-10-01
... 49 Transportation 6 2010-10-01 2010-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...
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17 CFR 256.255 - Accumulated deferred investment tax credits.
2010-04-01
... investment tax credits. 256.255 Section 256.255 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... investment tax credits. (a) This account shall be credited and account 411.5, Investment tax credit, debited with investment tax credits deferred by companies which do not apply such credits as a reduction of the...
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Credit scoring analysis using weighted k nearest neighbor
Mukid, M. A.; Widiharih, T.; Rusgiyono, A.; Prahutama, A.
2018-05-01
Credit scoring is a quatitative method to evaluate the credit risk of loan applications. Both statistical methods and artificial intelligence are often used by credit analysts to help them decide whether the applicants are worthy of credit. These methods aim to predict future behavior in terms of credit risk based on past experience of customers with similar characteristics. This paper reviews the weighted k nearest neighbor (WKNN) method for credit assessment by considering the use of some kernels. We use credit data from a private bank in Indonesia. The result shows that the Gaussian kernel and rectangular kernel have a better performance based on the value of percentage corrected classified whose value is 82.4% respectively.
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Innovating Data Discovery In NOAA OneStop By Integrating With Social Media
Jakositz, A.; McQuinn, E.; Delk, Z.; Shapiro, J.; Partee, R.; Richerson, E.
2017-12-01
Tasked with improving discovery of and access to NOAA data, the OneStop project has to consider a broad array of data types and end-users in the overall design. While work on the OneStop web interface and backend API is of utmost importance for enabling a variety of users to explore available NOAA data, the challenge of bringing those users to the OneStop portal in the first place remains. In this presentation, we highlight the benefits of using social media - namely YouTube - to attract users to both the data and tools existing in the NOAA realm. Furthermore, we discuss the ways in which varying data types can be discovered from the same portal, triggering different views (for instance, a streaming video), based on maintaining consistent metadata standards.
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Do Internet Credit Markets Improve Access to Credit for Female Business Owners?
Barasinska, Nataliya; Schäfer, Dorothea
2010-01-01
Business owners and founders are a minority of any bank's business clients. Scientific studies of traditional credit markets often show a lower probability of loan approval or higher loan costs for female business owners compared to male business owners. With this background the question arises whether female business owners have to struggle with this problem less on Internet credit markets. In this current study, DIW Berlin investigated business loans on the largest German Internet platform,...
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NOAA NOS SOS, EXPERIMENTAL, 1853-present, Barometric Pressure
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have barometric pressure data. *These services are for testing and...
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Credit demand in Mozambican manufacturing
DEFF Research Database (Denmark)
Byiers, Bruce; Rand, John; Tarp, Finn
2010-01-01
This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...
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A neural network model for credit risk evaluation.
Khashman, Adnan
2009-08-01
Credit scoring is one of the key analytical techniques in credit risk evaluation which has been an active research area in financial risk management. This paper presents a credit risk evaluation system that uses a neural network model based on the back propagation learning algorithm. We train and implement the neural network to decide whether to approve or reject a credit application, using seven learning schemes and real world credit applications from the Australian credit approval datasets. A comparison of the system performance under the different learning schemes is provided, furthermore, we compare the performance of two neural networks; with one and two hidden layers following the ideal learning scheme. Experimental results suggest that neural networks can be effectively used in automatic processing of credit applications.
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76 FR 16235 - Corporate Credit Unions, Technical Corrections
2011-03-23
... inadvertently included particular investments that did not--when subject to the other credit risk and asset... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 707 RIN 3133-AD58 Corporate Credit Unions, Technical Corrections AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: In...
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Acquired Credit Unions: Drivers of Takeover
Directory of Open Access Journals (Sweden)
R. Raymond Sant
2015-08-01
Full Text Available In this paper we study acquired credit unions and analyze their financial performance up to six years prior to merger, on a quarterly basis. The primary focus is on balance sheet (asset liability management and profitability variables (return on assets. We find that acquired credit unions during the period 2008 (third quarter to 2014 (first quarter experienced negative return on assets for several quarters prior to their takeover. This was the result of a declining loan portfolio and increasing charge offs. In spite of decreasing lending activity, such credit unions continued to increase their deposits, i.e., adding to their cost base. Due to declining loans, their net interest margin as a proportion of deposits was also in decline. We argue that this is an indicator of poor management ability. Furthermore, our analysis finds that operating expenses were increasing over time, something that has been documented in previous literature also for smaller credit unions and is attributable to lack of economies of scale. The average asset size of the acquired credit unions in our sample is about $22 million just before acquisition. We attribute our findings to poor business strategy followed by such credit unions. We also conclude that signs of trouble are evident up to two years before merger on average and regulatory policy may have to become more proactive to manage the consolidation challenge faced by the credit union industry in general.
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NOAA NOS SOS, EXPERIMENTAL, 1853-present, Air Temperature
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have air temperature data. *These services are for testing and evaluation...
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NOAA NOS SOS, EXPERIMENTAL, 1853-present, Water Temperature
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have water temperature data. *These services are for testing and evaluation...
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NOAA Aircraft Operations Center (AOC) Flight Level Data
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA AOC WP-3D Research Flight Data is digital data set DSI-6420, archived at the National Climatic Data Center (NCDC). This data set is meteorological data gathered...
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NOAA Response to the Deepwater Horizon Oil Spill - Protecting Oceans, Coasts and Fisheries (Invited)
Lubchenco, J.
2010-12-01
As the nation’s leading scientific resource for oil spills, NOAA has been on the scene of the Deepwater Horizon/BP oil spill from the start, providing coordinated scientific weather and biological response services to federal, state and local organizations. NOAA has mobilized experts from across the agency to help contain the spreading oil spill and protect the Gulf of Mexico’s many marine mammals, sea turtles, fish, shellfish and other endangered marine life. NOAA spill specialists advised the U.S. Coast Guard on cleanup options as well as advising all affected federal, state and local partners on sensitive marine resources at risk in this area of the Gulf of Mexico. As a major partner in the federal response to this incident, NOAA provided the necessary coastal and marine expertise required for sound, timely decision-making and helped protect the affected Gulf Coast communities and coastal marine environment and will continue to do so for ongoing restoration efforts.
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Materialism and credit card use by college students.
Pinto, M B; Parente, D H; Palmer, T S
2000-04-01
Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.
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Directory of Open Access Journals (Sweden)
Daniel S. Katz
2015-11-01
Full Text Available Science and engineering research increasingly relies on activities that facilitate research but are not currently rewarded or recognized, such as: data sharing; developing common data resources, software and methodologies; and annotating data and publications. To promote and advance these activities, we must develop mechanisms for assigning credit, facilitate the appropriate attribution of research outcomes, devise incentives for activities that facilitate research, and allocate funds to maximize return on investment. In this article, we focus on addressing the issue of assigning credit for both direct and indirect contributions, specifically by using JSON-LD to implement a prototype transitive credit system.
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12 CFR 614.4040 - Production credit associations.
2010-01-01
..., membership, term, amount, loan security, and stock or participation certificate requirements of the... Section 614.4040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4040 Production credit associations. (a) Loan terms. (1) Production...
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Developing emission reduction credit trading in Texas
International Nuclear Information System (INIS)
Dodds, J.E.
1993-01-01
The Texas Air Control Board has begun to develop a system of emission reduction credit training. The system will be developed incrementally over time. The first step, banking of VOC and NO x Emission Reduction Credits, began March 15, 1993. Additional programs under study and development include NO x RACT trading, emission credits for motor vehicle scrappage and alternative fuel conversion, and establishment of community organizations to generate and acquire emission reduction credits for economic development purposes
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Credit scoring analysis using kernel discriminant
Widiharih, T.; Mukid, M. A.; Mustafid
2018-05-01
Credit scoring model is an important tool for reducing the risk of wrong decisions when granting credit facilities to applicants. This paper investigate the performance of kernel discriminant model in assessing customer credit risk. Kernel discriminant analysis is a non- parametric method which means that it does not require any assumptions about the probability distribution of the input. The main ingredient is a kernel that allows an efficient computation of Fisher discriminant. We use several kernel such as normal, epanechnikov, biweight, and triweight. The models accuracy was compared each other using data from a financial institution in Indonesia. The results show that kernel discriminant can be an alternative method that can be used to determine who is eligible for a credit loan. In the data we use, it shows that a normal kernel is relevant to be selected for credit scoring using kernel discriminant model. Sensitivity and specificity reach to 0.5556 and 0.5488 respectively.
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IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES
Directory of Open Access Journals (Sweden)
Victoria COCIUG
2015-07-01
Full Text Available The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives.
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Measuring Credit Capacity on Danish Farms Using DEA
DEFF Research Database (Denmark)
Friis Pedersen, Michael; Vesterlund Olsen, Jakob
2013-01-01
have important implications for risk management practice, investment and technology adoption and related policy issues. The method is limited by the possibility of strategic behavior of lenders during credit cycle busts. In credit cycle booms, the method gives a good basis for the estimates of change...... in credit reserves. Practical implications: In a period of increasing credit reserves, risk management institutions are unlikely to develop. Like agricultural policy, access to credit may crowd out market-based risk management. Originality/value: The study represents a novel application and interpretation......Purpose:The purpose of this paper is to introduce a novel measure of access to credit suited to estimate the relative change in credit reserves. Design/methodology/approach: A debt possibility frontier is estimated using data envelopment analysis and the Malmquist index is calculated. The Malmquist...
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National Oceanic and Atmospheric Administration, Department of Commerce — Temperature profile and other data were collected using CTD casts from NOAA Ship MALCOLM BALDRDIGE and NOAA Ship DISCOVERER in the TOGA Area - Pacific Ocean from 13...
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NOAA NOS SOS, EXPERIMENTAL, 1853-present, Water Level
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NOS SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have water surface height above a reference datum. *These services are for...
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NOAA NDBC SOS, 2006-present, sea_water_temperature
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NDBC SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have sea_water_temperature data. Because of the nature of SOS requests,...
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Statistical Validation of Calibrated Wind Data Collected From NOAA's Hurricane Hunter Aircraft
Graham, K.; Sears, I. T.; Holmes, M.; Henning, R. G.; Damiano, A. B.; Parrish, J. R.; Flaherty, P. T.
2015-12-01
Obtaining accurate in situ meteorological measurements from the NOAA G-IV Hurricane Hunter Aircraft currently requires annual wind calibration flights. This project attempts to demonstrate whether an alternate method to wind calibration flights can be implemented using data collected from many previous hurricane, winter storm, and surveying flights. Wind derivations require using airplane attack and slip angles, airplane pitch, pressure differentials, dynamic pressures, ground speeds, true air speeds, and several other variables measured by instruments on the aircraft. Through the use of linear regression models, future wind measurements may be fit to past statistical models. This method of wind calibration could replace the need for annual wind calibration flights, decreasing NOAA expenses and providing more accurate data. This would help to ensure all data users have reliable data and ultimately contribute to NOAA's goal of building of a Weather Ready Nation.
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Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit
Field, Kelly
2009-01-01
Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…
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STATE CREDIT RATING MARK: PRESENT DOMESTIC REALITIES
Kovalko, N. M.
2017-01-01
The article discusses the problematic aspects of credit ratings and ranking. The economic and legal aspects of ranking relations are addressed. It is concluded that a low credit standing of Ukraine is a sign of our country’s low debt sustainability.It is proved that both for Ukraine and for economically developed countries, the issue of credit ratings is quite important, and at times problematic. The issue is related to the development of the national and international financial credit resour...
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NOAA Satellite and Information Service's International and Interagency
: To meet the challenge of understanding and predicting changes in climate, weather, oceans, and coasts Affaris Division Skip to main content NOAA HOME NESDIS HOME WEATHER OCEANS & COASTS FISHERIES CHARTING SATELLITES CLIMATE RESEARCH CAREERS Satellite and Data Policy Developing Partnerships
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NOAA Ship Rainier Underway Meteorological Data, Near Real Time
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Rainier Underway Meteorological Data (Near Real Time, updated daily) are from the Shipboard Automated Meteorological and Oceanographic System (SAMOS)...
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NOAA Ship Pisces Underway Meteorological Data, Near Real Time
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Pisces Underway Meteorological Data (Near Real Time, updated daily) are from the Shipboard Automated Meteorological and Oceanographic System (SAMOS)...
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NOAA Ship Fairweather Underway Meteorological Data, Near Real Time
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Fairweather Underway Meteorological Data (Near Real Time, updated daily) are from the Shipboard Automated Meteorological and Oceanographic System (SAMOS)...
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NOAA Extended Reconstructed Sea Surface Temperature (ERSST), Version 5
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA Extended Reconstructed Sea Surface Temperature (ERSST) dataset is a global monthly sea surface temperature dataset derived from the International...
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NOAA Ship Okeanos Explorer Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Okeanos Explorer Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic...
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Directory of Open Access Journals (Sweden)
Aníbal Gusso
2007-02-01
Full Text Available O objetivo deste trabalho foi avaliar a adequação do uso do sensor AVHRR/NOAA (Advanced Very High Resolution Radiometer/National Oceanic and Atmospheric Administration para mapeamento da temperatura da superfície terrestre (TST no Estado do Rio Grande do Sul, por meio da comparação entre três algoritmos clássicos. Foram comparados os métodos de Becker & Li, Sobrino et al. e Kerr et al. para estimativa das TST mínimas, utilizando imagens noturnas e logo após o amanhecer. Os dados de emissividade e TST foram obtidos por meio de combinações matemáticas da radiação detectada nas faixas do visível, infravermelho próximo e termal do sensor AVHRR/NOAA. O sensor AVHRR é adequado para o mapeamento de TST para as condições do tipo de cobertura do solo que predominam no Rio Grande do Sul, visto que a TST estimada pelos três métodos testados foi próxima à temperatura do ar medida nos locais selecionados. O método de Sobrino et al. foi o mais adequado.The objective of this work was to evaluate the suitable use of AVHRR/NOAA (Advanced Very High Resolution Radiometer/National Oceanic and Atmospheric Administration on land surface temperature (LST mapping in Rio Grande do Sul State by means of the comparison of three classic algorithms. The methods of Becker & Li, Sobrino et al. and Kerr et al. were compared for the minimum LST estimation, using nocturnal and predawn images. Both emissivity and LST data were obtained by means of mathematical combinations of the visible, near-infrared and thermal detected radiation of the AVHRR/NOAA sensor. The AVHRR sensor is suitable for LST mapping for the overall conditions of soil coverage in Rio Grande do Sul, once the estimated LST, by the three tested methods, was close to the measured air temperature at the selected locations. Sobrino et al. was the most adequate method.
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Rare disasters, credit, and option market puzzles
DEFF Research Database (Denmark)
Christoffersen, Peter; Du, Du; Elkamhi, Redouane
2017-01-01
calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...
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40 CFR 1033.715 - Banking emission credits.
2010-07-01
... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1033.715... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer...
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25 CFR 140.23 - Credit at trader's risk.
2010-04-01
... 25 Indians 1 2010-04-01 2010-04-01 false Credit at trader's risk. 140.23 Section 140.23 Indians....23 Credit at trader's risk. Credit given Indians will be at the trader's own risk, as no assistance... accept pawns or pledges of personal property by Indians to obtain credit or loans. ...
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International Nuclear Information System (INIS)
Albritton, D.; Levy, J.
1993-05-01
Contents: introduction -the IPCC and NOAA; NOAA contributions to the IPCC 1995 science assessment; NOAA contributions to the IPCC 1995 impacts, adaptation, and mitigation assessment; NOAA contributions to the 1995 IPCC economics and greenhouse-gas scenario assessment
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Does ownership structure improve credit ratings?
Directory of Open Access Journals (Sweden)
Aws AlHares
2018-04-01
Full Text Available This study seeks to examine the impact of Block Ownership structure on Credit Ratings in OECD countries. This research seeks to contribute to the extant literature by exploring the effects of Corporate Governance (CG mechanisms on corporate credit ratings. The study uses a panel data of 200 companies from Anglo American and European countries between 2010 and 2014. The ordinary least square regression is used to examine the relationships. Additionally, to alleviate the concern of potential endogeneity, we use fixed effect regression, two-stage least squares using instrumental variables. The results show there is a negative and significant relationship between block ownership and credit ratings, with a greater significance among Anglo American countries than among European countries. The rationale for this is that Anglo-American system gives preferential treatment to individual shareholders and its accounting tradition leads to a decline in risk and increase in credit ratings. The result is consistent with the multi-theoretical framework predictions derived from the agency and stewardship theories. Future research could investigate credit ratings using other credit rating agencies, selecting a larger sample that includes small, mid-size and large companies. This paper extends, as well as contributes to extant CG literature by offering new evidence on the effect of block ownership on credit ratings between two different traditions. This will be explored by employing firm-level CG mechanisms by accounting for control variables. The findings will help regulators and policymakers in OECD countries in evaluating the adequacy of current CG reforms to prevent management misconduct and scandals.
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NOAA Ship Delaware II Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Delaware II Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Hi'ialakai Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Hi'ialakai Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Ronald Brown Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Ronald Brown Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Miller Freeman Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Miller Freeman Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Oscar Dyson Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Oscar Dyson Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Nancy Foster Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Nancy Foster Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Gordon Gunter Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Gordon Gunter Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Ka'imimoana Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Ka'imimoana Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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NOAA Ship Oregon II Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Oregon II Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic System...
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12 CFR 614.4010 - Agricultural credit banks.
2010-01-01
...) of this chapter, for the export (including the cost of freight) of agricultural commodities or... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS...
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Credit card spending limit and personal finance: system dynamics approach
Directory of Open Access Journals (Sweden)
Mirjana Pejić Bach
2014-03-01
Full Text Available Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.
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An Anonymous Credit Card System
Androulaki, Elli; Bellovin, Steven
Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.
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Tuition Tax Credits. Issuegram 19.
Augenblick, John; McGuire, Kent
Approaches for using the federal income tax system to aid families of pupils attending private schools include: tax credits, tax deductions, tax deferrals, and education savings incentives. Tax credit structures can be made refundable and made sensitive to taxpayers' income levels, the level of education expenditures, and designated costs.…
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College credit for in-house training
International Nuclear Information System (INIS)
Reilly, K.; Getty, C.; Knief, R.
1981-01-01
The Program on Non-Collegiate Sponsored Instruction (PONSI) and similar organizations may be of considerable help to the industry to the extent that college credit can be awarded for certain activities in reactor site training programs. The credit recommendations generally may be used at local colleges. They also may be applied (along with credit for college-level activities such as correspondence and on-campus courses, proficiency testing, and other evaluations) to degrees granted by the Regent's External Degree Program (REX) and other organizations. This paper describes the principle features of the PONSI and REX programs. PONSI's first credit evaluation at a nuclear plant - Consolidated Edison's Indian Point 2 - is summarized. Recent proposals for an explicit nuclear degree through REX are also described briefly
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Securitization, Credit Rating and Issuers’ Characteristics
Directory of Open Access Journals (Sweden)
Mauricio Palmada Fernandes
2014-01-01
Full Text Available Given the growth of securitization through Credit Receivables Investment Funds (Fundos de Investimento em Direitos Creditórios - FIDCs in Brazil in recent years, this work aims to investigate empirically the relationship between securitization and credit rating in the Brazilian market. All issues of FIDCs held by banks and registered in the CVM from 2005 to July 2010 were analyzed. The two hypotheses discussed by Gorton and Souleles (2005 were confirmed to Brazilian financial institutions. There is evidence of an implied contract between the transferor companies and investors in securitizations made via FIDCs. Companies with higher credit risk, worst ratings, tend to securitize more. However no relationship was found between securitization and asset value, amount of loans or capital ratio.
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Effects of Credit on Economic Growth, Unemployment and Poverty
Directory of Open Access Journals (Sweden)
Mangasa Augustinus Sipahutar
2016-06-01
Effect of credit on economic growth, unemployment and poverty provides evidence from Indonesia on the role of banks credit for promoting economic growth and reducing both unemployment and poverty. To document the link between banks credit and economic growth, we estimate a VAR model and variance decompositions of annual GDP per capita growth rates to examine what proxy measures of banks credit are most important in accounting for economic growth over time and how much they contribute to explaining economic growth. We also estimate an ECM to document the relationship between banks credit to both unemployment and poverty. This paper revealed bi-direction causality between banks credit and economic growth. Banks credit promotes economic growth and economic growth affects credit depth and financial development. Furthermore, banks credit is a growth accelerating factor on Indonesian economic growth. Banks credit is an endogenous growth and a good predictor on Indonesian economy. Our estimation model explained that credit allocated by banks increases business escalation to the real sectors then promotes economic growth, decreases unemployment rate through increasing in labor demanded, increases income and then decrease poverty. This overall transmission mechanism just occurred through presence of banks credit by increasing money supply to the real sectors, promotes growth and social welfare. Keywords : banks credit, economic growth, growth accelerating factor, poverty, unemployment JEL Classification : E51, E52, E58
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Proactive Conservation Program: Species of Concern :: NOAA Fisheries
Invertebrates & Plants Species of Concern Threatened & Endangered Health & Stranding Marine Mammals : Species of Concern Species of Concern List | Grants and Technical Resources/Links bluefin tuna Bluefin Tuna (Thunnus thynnus) Photo: NOAA Species of Concern are those species about which we have some
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49 CFR 260.15 - Credit risk premium.
2010-10-01
... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...
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Consumer Credit: Evidence from Italian Micro Data
Hochguertel, S.; Alessie, R.; Weber, G.
2005-01-01
In this paper we analyse unique data on credit applications received by the leading provider of consumer credit in Italy (Findomestic). The data set covers a five-year period (1995-1999) during which the consumer credit market rapidly expanded in Italy and a new law (the usury law) came into force
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2014 NOAA OCS Topobathy Lidar: New Jersey (H12606)
National Oceanic and Atmospheric Administration, Department of Commerce — The National Oceanic and Atmospheric Administration (NOAA) has the statutory mandate to collect hydrographic data in support of nautical chart compilation for safe...
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NOAA/NOS and USCGS Seabed Descriptions from Hydrographic Surveys
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA/NOS and USCGS Seabed Descriptions from Hydrographic Surveys database is a compilation of surficial sediment composition from multiple sources for over...
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Credit scores, cardiovascular disease risk, and human capital.
Israel, Salomon; Caspi, Avshalom; Belsky, Daniel W; Harrington, HonaLee; Hogan, Sean; Houts, Renate; Ramrakha, Sandhya; Sanders, Seth; Poulton, Richie; Moffitt, Terrie E
2014-12-02
Credit scores are the most widely used instruments to assess whether or not a person is a financial risk. Credit scoring has been so successful that it has expanded beyond lending and into our everyday lives, even to inform how insurers evaluate our health. The pervasive application of credit scoring has outpaced knowledge about why credit scores are such useful indicators of individual behavior. Here we test if the same factors that lead to poor credit scores also lead to poor health. Following the Dunedin (New Zealand) Longitudinal Study cohort of 1,037 study members, we examined the association between credit scores and cardiovascular disease risk and the underlying factors that account for this association. We find that credit scores are negatively correlated with cardiovascular disease risk. Variation in household income was not sufficient to account for this association. Rather, individual differences in human capital factors—educational attainment, cognitive ability, and self-control—predicted both credit scores and cardiovascular disease risk and accounted for ∼45% of the correlation between credit scores and cardiovascular disease risk. Tracing human capital factors back to their childhood antecedents revealed that the characteristic attitudes, behaviors, and competencies children develop in their first decade of life account for a significant portion (∼22%) of the link between credit scores and cardiovascular disease risk at midlife. We discuss the implications of these findings for policy debates about data privacy, financial literacy, and early childhood interventions.
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NASA-FAA-NOAA Partnering Strategy
Colantonio, Ron
2003-01-01
This viewgraph presentation provides an overview of NASA-FAA (Federal Aviation Administration) and NOAA (National Oceanic and Atmospheric Administration) collaboration efforts particularly in the area of aviation and aircraft safety. Five technology areas are being jointly by these agencies: (1) aviation weather information; (2) weather products; (3) automet technologies; (4) forward looking weather sensors and (5) turbulence controls and mitigation systems. Memorandum of Agreements (MOU) between these agencies are reviewed. A general review of the pros and pitfalls of inter-agency collaborations is also presented.
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Lending and Credit Monitoring Principles
Directory of Open Access Journals (Sweden)
Viorica IOAN
2012-11-01
Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.
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Directory of Open Access Journals (Sweden)
Jong-Hee Kim
2016-09-01
Full Text Available By examining the relationship between private credit growth and the possibility of credit risk while focusing on international capital in 21 countries over the period 2000:1Q-2015:2Q, this paper shows that the impact of private credit growth on credit risk is apparent under the high ratio of capital inflows, and its impact on credit risk in the seven Asian countries is even stronger. And the possibility of credit risk caused by private credit is mainly coming from portfolio inflows rather than direct inflows. Finally, portfolio inflows strengthen the positive relationship between credit excess and credit risk in Asian countries, and this trend is seen more in these after the global financial crisis. Taken together, the stronger positive relationship between credit excess and credit risk can be strengthen under the massive portfolio inflows in particular in the seven Asian countries such as Hong Kong, India, Indonesia, Korea, Malaysia, Singapore, and Thailand.
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A Restrospective and Prospective Examination of NOAA Solar Imaging
Hill, S. M.
2015-12-01
NOAA has provided soft X-ray imaging of the lower corona since the early 2000's. It is currently building the spacecraft and instrumentation to observe the sun in the extreme ultraviolet (EUV) through 2036. After more than 6 million calibrated images, it is appropriate to examine NOAA data as providing retrospective context for scientific missions. In particular, this presentation examines the record of GOES Solar X-ray Imager (SXI) observations, including continuity, photometric stability and comparison to other contemporary x-ray imagers. The first GOES Solar X-ray Imager was launched in 2001 and entered operations in 2003. The current SXIs will remain in operations until approximately 2020, when a new series of Solar (extreme-)Ultraviolet Imagers (SUVIs) will replace them as the current satellites reach their end of life. In the sense that the SXIs are similar to Yokoh's SXT and Hinode's XRT, the SUVI instruments will be similar to SOHO's EIT and SDO's AIA. The move to narrowband EUV imagers will better support eventual operational estimation of plasma conditions. In particular, plans are to leverage advances in automated image processing and segmentation to assist forecasters. While NOAA's principal use of these observations is real-time space weather forecasting, they will continue to provide a consistent context measurement for researchers for decades to come.
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CREDIT RATIONING AND SME DEVELOPMENT IN BOTSWANA ...
African Journals Online (AJOL)
None
have the negative effect of stifling the growth of potential firms, thereby .... credit market may explain the credit rationing behaviour of banks to ... derive policy implications to enhance access to bank credit by SMEs. 4. ..... The main challenges to SMEs identified by the study were non-payment of outstanding ... This decision is.
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Credit Rationing Effects of Credit Value-at-Risk
J.F. Slijkerman; D.J.C. Smant (David); C.G. de Vries (Casper)
2004-01-01
textabstractBanks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and
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Trade Credit Insurance and Asymmetric Information Problem
Directory of Open Access Journals (Sweden)
Sokolovska Olena
2017-03-01
Full Text Available The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in countries worldwide. Using comparative and graphical analysis we provide a brief evaluation of the dynamics of claims and recoveries for different forms of trade credit insurance. We found that the claims related to the commercial risk for medium and long trade credits in recent years exceed the recoveries, while with the political risk the reverse trend holds. And we originally consider these findings in terms of information asymmetry in the trade credit insurance differentiated by type of risk.
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5 CFR 610.408 - Use of credit hours.
2010-01-01
... Flexible and Compressed Work Schedules § 610.408 Use of credit hours. Members of the Senior Executive Service (SES) may not accumulate credit hours under an alternative work schedule. Any credit hours...
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Methodology of Credit Analysis Development
Directory of Open Access Journals (Sweden)
Slađana Neogradi
2017-12-01
Full Text Available The subject of research presented in this paper refers to the definition of methodology for the development of credit analysis in companies and its application in lending operations in the Republic of Serbia. With the developing credit market, there is a growing need for a well-developed risk and loss prevention system. In the introduction the process of bank analysis of the loan applicant is presented in order to minimize and manage the credit risk. By examining the subject matter, the process of processing the credit application is described, the procedure of analyzing the financial statements in order to get an insight into the borrower's creditworthiness. In the second part of the paper, the theoretical and methodological framework is presented applied in the concrete company. In the third part, models are presented which banks should use to protect against exposure to risks, i.e. their goal is to reduce losses on loan operations in our country, as well as to adjust to market conditions in an optimal way.
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2012 NOAA Ortho-rectified Color Mosaic of Astoria, Oregon
National Oceanic and Atmospheric Administration, Department of Commerce — This data set contains ortho-rectified mosaic tiles, created as a product from the NOAA Integrated Ocean and Coastal Mapping (IOCM) initiative. The source imagery...
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2011 NOAA Ortho-rectified Mosaic of Intracoastal Waterway, Texas
National Oceanic and Atmospheric Administration, Department of Commerce — This data set contains ortho-rectified mosaic tiles, created as a product from the NOAA Integrated Ocean and Coastal Mapping (IOCM) initiative. The source imagery...
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2010 NOAA Ortho-rectified Mosaic of Lake Champlain, Vermont
National Oceanic and Atmospheric Administration, Department of Commerce — This data set contains ortho-rectified mosaic tiles, created as a product from the NOAA Integrated Ocean and Coastal Mapping (IOCM) initiative. The source imagery...
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CONTINGENCIES FOR MEASUREMENT OF THE CREDIT RISK
Directory of Open Access Journals (Sweden)
Marinela BARBULESCU
2015-12-01
Full Text Available The Global Financial Crisis, which affected various banks, some of them very important banks, highlighted the importance of an accurate credit risk measurement in order to be able to overcome it. There are a variety of such credit risk measurement models, so we can say that banks face a real dilemma when having to choose the most appropriate one. The aim of this paper is to examine the most popular methods used to measure the credit risk and to identify the strengths and the weaknesses of each one of it. The research was accomplished from a double perspective, in which the conceptual methodological approach is correlated to a variety of references to practical actions aiming the measurement and the prevention of credit risk. The study includes the presentation of the objectives of credit risk analysis, the most appropriate moments for doing such an analysis, the steps that have to be done in order to measure the credit risk, the errors that can overcome in the credit risk measurement system, generated by the misclassifications of the studied company, and the presentation of the specific information of financial creditors. The findings expressed in this paper were mainly the result of a qualitative analysis which showed that there is no best model for credit risk measurement, each one having both strengths and weaknesses, some providing a comprehensive analysis of the individual customer’s financial strength others allowing banks permanently monitor fluctuating default risk and identify the possibly problems at an early stage.
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NOAA Climate Information and Tools for Decision Support Services
Timofeyeva, M. M.; Higgins, W.; Strager, C.; Horsfall, F. M.
2013-12-01
NOAA is an active participant of the Global Framework for Climate Services (GFCS) contributing data, information, analytical capabilities, forecasts, and decision support services to the Climate Services Partnership (CSP). These contributions emerge from NOAA's own climate services, which have evolved to respond to the urgent and growing need for reliable, trusted, transparent, and timely climate information across all sectors of the U.S. economy. Climate services not only enhance development opportunities in many regions, but also reduce vulnerability to climate change around the world. The NOAA contribution lies within the NOAA Climate Goal mission, which is focusing its efforts on four key climate priority areas: water, extremes, coastal inundation, and marine ecosystems. In order to make progress in these areas, NOAA is exploiting its fundamental capabilities, including foundational research to advance understanding of the Earth system, observations to preserve and build the climate data record and monitor changes in climate conditions, climate models to predict and project future climate across space and time scales, and the development and delivery of decision support services focused on risk management. NOAA's National Weather Services (NWS) is moving toward provision of Decision Support Services (DSS) as a part of the Roadmap on the way to achieving a Weather Ready National (WRN) strategy. Both short-term and long-term weather, water, and climate information are critical for DSS and emergency services and have been integrated into NWS in the form of pilot projects run by National and Regional Operations Centers (NOC and ROCs respectively) as well as several local offices. Local offices with pilot projects have been focusing their efforts on provision of timely and actionable guidance for specific tasks such as DSS in support of Coastal Environments and Integrated Environmental Studies. Climate information in DSS extends the concept of climate services to
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Impact of Scatterometer Ocean Wind Vector Data on NOAA Operations
Jelenak, Z.; Chang, P.; Brennan, M. J.; Sienkiewicz, J. M.
2015-12-01
Near real-time measurements of ocean surface vector winds (OSVW), including both wind speed and direction from non-NOAA satellites, are being widely used in critical operational NOAA forecasting and warning activities. The scatterometer wind data data have had major operational impact in: a) determining wind warning areas for mid-latitude systems (gale, storm,hurricane force); b) determining tropical cyclone 34-knot and 50-knot wind radii. c) tracking the center location of tropical cyclones, including the initial identification of their formation. d) identifying and warning of extreme gap and jet wind events at all latitudes. e) identifying the current location of frontal systems and high and low pressure centers. f) improving coastal surf and swell forecasts Much has been learned about the importance and utility of satellite OSVW data in operational weather forecasting and warning by exploiting OSVW research satellites in near real-time. Since December 1999 when first data from QuikSCAT scatterometer became available in near real time NOAA operations have been benefiting from ASCAT scatterometer observations on MetOp-A and B, Indian OSCAT scatterometer on OceanSat-3 and lately NASA's RapidScat mission on International Space Station. With oceans comprising over 70 percent of the earth's surface, the impacts of these data have been tremendous in serving society's needs for weather and water information and in supporting the nation's commerce with information for safe, efficient, and environmentally sound transportation and coastal preparedness. The satellite OSVW experience that has been gained over the past decade by users in the operational weather community allows for realistic operational OSVW requirements to be properly stated for future missions. Successful model of transitioning research data into operation implemented by Ocean Winds Team in NOAA's NESDIS/STAR office and subsequent data impacts will be presented and discussed.
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Is credit for early action credible early action?
International Nuclear Information System (INIS)
Rolfe, C.; Michaelowa, A.; Dutschke, M.
1999-12-01
Credit for early action as a tool for greenhouse gas emissions reduction is compared with various market instruments as a means of narrowing the gap between projected emissions and those of the Kyoto Protocol. Market instruments work by creating a market price for emissions and use the market to encourage reductions at the lowest price, which is done by placing limits on greenhouse gas emissions and allowing the market to decide where reductions occur, or by imposing a carbon tax or emissions charge. While they can be applied within a sector, they are usually used to encourage reductions throughout the economy or across large sectors. Credit for early action also creates an incentive for emissions reductions throughout the economy or at least across many sectors. Credit for early action tools do not work by either imposing a carbon tax or emissions charge or placing limits on emissions, rather they promise that entities that take action against greenhouse gases prior to the imposition of a carbon tax or emissions limits will receive a credit against future taxes or limits. An overview is provided of the Kyoto Protocol and the rationale for taking early action, and a review is included of the theory and specific proposals for market instruments and credit for early action. A comparative analysis is provided of these approaches by examining their relative efficiency, environmental effectiveness, and impacts on the redistribution of wealth. Credit for early action is viewed as problematic on a number of counts and is seen as an interim strategy for imposition while political support for market instruments develop. The environmental effectiveness of credit for early action is very difficult to predict, and credit for early action programs do not yield the lowest cost emissions reductions. Credit for early action programs will not achieve compliance with the Kyoto Protocol at the lowest cost, and credits for early action will increase the compliance costs for those who
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Store Security. Credit Card Fraud.
Brockway, Jerry
The manual, intended for use by adults and not in the high school classroom situation, presents material directed toward assisting in the reduction of credit card crime. This teaching guide is organized in three sections which deal with the nature of and major reasons for credit card fraud, the types of hot card runners, and methods of reducing…
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An endogenous model of the credit network
He, Jianmin; Sui, Xin; Li, Shouwei
2016-01-01
In this paper, an endogenous credit network model of firm-bank agents is constructed. The model describes the endogenous formation of firm-firm, firm-bank and bank-bank credit relationships. By means of simulations, the model is capable of showing some obvious similarities with empirical evidence found by other scholars: the upper-tail of firm size distribution can be well fitted with a power-law; the bank size distribution can be lognormally distributed with a power-law tail; the bank in-degrees of the interbank credit network as well as the firm-bank credit network fall into two-power-law distributions.
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A dynamic model of unsecured credit
Daniel R. Sanches
2010-01-01
The author studies the terms of credit in a competitive market in which sellers (lenders) are willing to repeatedly finance the purchases of buyers (borrowers) by engaging in a credit relationship. The key frictions are: (i) the lender is unable to observe the borrower's ability to repay a loan; (ii) the borrower cannot commit to any long-term contract; (iii) it is costly for the lender to contact a borrower and to walk away from a contract; and (iv) transactions within each credit relationsh...
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NOAA Climate Data Record (CDR) of Visible and Near Infrared Reflectance from AVHRR, Version 1.0
National Oceanic and Atmospheric Administration, Department of Commerce — The AVHRR visible gains and offsets convert GAC pixel level counts to radiances and are provided for each visible band encompassing TIROS-N, NOAA-6 through NOAA-19...
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Issues for effective implementation of burnup credit
International Nuclear Information System (INIS)
Parks, C.V.; Wagner, J.C.
2001-01-01
In the United States, burnup credit has been used in the criticality safety evaluation for storage pools at pressurized water reactors (PWRs) and considerable work has been performed to lay the foundation for use of burnup credit in dry storage and transport cask applications and permanent disposal applications. Many of the technical issues related to the basic physics phenomena and parameters of importance are similar in each of these applications. However, the nuclear fuel cycle in the United States has never been fully integrated and the implementation of burnup credit to each of these applications is dependent somewhat on the specific safety bases developed over the history of each operational area. This paper will briefly review the implementation status of burnup credit for each application area and explore some of the remaining issues associated with effective implementation of burnup credit. (author)
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The Dilemmas over Credit Policy Management in a Company
Directory of Open Access Journals (Sweden)
Maria Gorczyńska
2013-11-01
Full Text Available Purpose of the article: The paper identifies the core dilemmas over the establishment of the credit policy in a company. It considers the general scope and basic stages of credit policy management and analyses each stage of credit policy in terms of decisive aspects. The main areas of concerns are discussed within the settlement of credit policy and its implementation with regard to the model of optimal credit policy. Scientific aim: The paper aims at constructing a unified model of issues rising dilemmas while setting and implementing the credit policy management. It also aims at identifying core decisive problems in each of these fields and at providing a structured questions framework. Methodology/methods: The paper is based on conceptual analysis and deduction of the literature and general review of issues related to credit policy management. It containts autors’ own view on the problems included in each stage of credit policy management. Findings: Credit policy management is a subject for numerous dilemmas. The main areas of concerns are related to: the decision about the goal of credit policy managemet with regard to its restrictiveness, the settlement of credit policy with regard to elements of credit policy, and finally the implementation with regard to the risk of bad debts occurrence. Conclusions: (limits, implications etc The establishment of credit policy in a company requires to balance contrary interests and thus involves wide variety of issues to be considered. The presented model of decisive problems might be applied in each company regardless to their size.
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Credit risk assessment: Evidence from banking industry
Directory of Open Access Journals (Sweden)
Hassan Ghodrati
2014-08-01
Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.
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TIROS-N/NOAA A-J space environment monitor subsystem. Technical memo
International Nuclear Information System (INIS)
Seale, R.A.; Bushnell, R.H.
1987-04-01
The Space Environment Monitor (SEM), which is incorporated as a subsystem in the TIROS-N and NOAA A-J satellites, is described. The SEM consists of a Total Energy Detector (TED), a Medium Energy Proton and Electron Detector (MEPED), a High Energy Proton and Alpha Detector (HEPAD) and a Data Processing Unit (DPU). The detectors are intended to provide near-real-time particle data for use in the Space Environment Service Center of National Oceanic and Atmospheric Administration (NOAA) and to provide a long-term scientific data base. Telemeter codes, data reduction, and test instructions are given
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WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA
Syed Shah ALAM; Ruzita Abdul RAHIM; Ridhwanul HAQ; Atiqur Rahman KHAN
2014-01-01
This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect ...
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Niepold, F.
2012-12-01
Societal concern about the impacts of climate change is growing. Citizens in public and private sectors want easy access to credible climate science information to help them make informed decisions affecting their lives and livelihoods. Weather and climate influences almost every sector of society, and affects up to 40 percent of the United States' 10 trillion annual economy. (NRC report, 2003 entitled "Satellite Observations of the Earth's Environment: Accelerating the Transition of Research to Operations"). As the leading provider of climate, weather, and water information to the nation and the world, NOAA is a logical source for citizens to turn to for climate information. NOAA must expand and improve the way it communicates, educates, reaches out to, and engages with public stakeholders to better meet the nation's needs for timely, authoritative climate data and information. Citizens are increasingly going online to seek credible, authoritative climate information. However, users report having difficulty locating and using NOAA's online data products and services. Thus, resolving this online accessibility issue will be one of the Climate Portal's main benefits. The use of portal technology and emerging data integration and visualization tools provide an opportunity for NOAA to bring together multiple datasets from diverse disciplines and sources to deliver a more comprehensive picture of climate in the context of affected resources, communities and businesses. Additional benefits include wider extension of NOAA's data to other media such as television and free-choice learning venues, thereby increasing public exposure and engagement. The Climate Portal teams take an audience-focused approach to promoting climate science literacy among the public. The program communicates the challenges, processes, and results of NOAA-supported climate science through stories and data visualizations on the Web and in popular media. They provide information to a range of
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Giltz, S.; Trtanj, J.; Jones, H.
2017-12-01
The One Health concept recognizes that the health of humans is inextricably linked with the health of animals and the environment. With a growing world population, changing climate, and increased global travel One Health approaches are increasingly useful. The National Oceanic and Atmospheric Administration (NOAA) provides key stakeholders in the public health sector with the environmental intelligence they need to mitigate emerging health threats. The NOAA One Health Working Group's mission is to integrate and coordinate the network of observing systems and in situ sensors, detection and diagnostic capacity, research and modeling efforts, and sustained engagement with health partners to deliver useful information to public health and resource management communities. The NOAA One Health group divides its broad focus into themes: thermal extremes, water-borne disease, seafood security, Arctic, wildlife and zoonotic disease, vector-borne disease, and air quality (including wildfire). The group connects the work being done throughout NOAA to coordinate One Health related efforts, increase information sharing, promote interdisciplinary approaches, and work towards better disease prevention. We are working to enhance NOAA Science and services to deliver useful information on current and emerging health risks and benefits to health decision makers.
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NOAA Workforce Management Office, e-Learning, Commerce Learning Center
Assignment Program (NRAP) Presidential Management Fellows (PMFs) Program Coordination Office - Leadership (CLC) Home Careers at NOAA Search Criteria Click to Search WORKFORCE MANAGEMENT OFFICE Executive Resources Senior Executive Service ST and SL Responsibilities Performance Management Performance
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Correlates of credit card ownership in men and women.
Yang, Bijou; Lester, David
2005-06-01
In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.
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National Oceanic and Atmospheric Administration, Department of Commerce — Temperature profile and pressure data were collected using CTD casts in the TOGA area of Pacific Ocean from NOAA Ship RONALD H. BROWN and NOAA Ship KA'IMIMOANA from...
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Credit risk identification and suggestions of electricity market
He, Chuan; Wang, Haichao; Chen, Zhongyuan; Hao, Yuxing; Jiang, Hailong; Qian, Hanhan; Wang, Meibao
2018-03-01
The power industry has a long history of credit problems, and the power industry has credit problems such as power users defaulting on electricity bills before the new electricity reform. With the reform of the power system, the credit problems in the power industry will be more complicated. How to effectively avoid the risk factors existing in the course of market operation and how to safeguard the fairness and standardization of market operation is an urgent problem to be solved. This paper first describes the credit risk in power market, and analyzes the components of credit risk identification in power market, puts forward suggestions on power market risk management.
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Standardization of Social Credit System Initiated in China
Institute of Scientific and Technical Information of China (English)
无
2004-01-01
@@ Introduction The current government advances that the order of market economy should be standardized and the social credit system of market economy in modern times should be established and completed. The social credit system should be formed on the basis of property right, supported by moral and high consciousness of social credit. Therefore, the basic framework and operation mechanism of the standards system for social credit will be established in 5 years in China in order to make standards play an important role in a regular market and the aspect of credit management, to improve administration's compliance with the regulation, and to facilitate the market economic order.
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Credit counseling: a substitute for consumer financial literacy?
Disney, Richard; Gathergood, John; Weber, Jörg
2015-01-01
Is financial literacy a substitute or complement for financial advice? In this paper we analyze the decision by consumers to seek financial advice in the form of credit counseling concerning their credit and debt. Credit counseling is an important component of the consumer credit sector for consumers facing debt problems. We combine instrumental variable approaches to account for the endogeneity of an individual’s financial situation to financial literacy, and the endogeneity of financial lit...
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Models for assessing and managing credit risk
Directory of Open Access Journals (Sweden)
Neogradi Slađana
2014-01-01
Full Text Available This essay deals with the definition of a model for assessing and managing credit risk. Risk is an inseparable component of any average and normal credit transaction. Looking at the different aspects of the identification and classification of risk in the banking industry as well as representation of the key components of modern risk management. In the first part of the essay will analyze how the impact of credit risk on bank and empirical models for determining the financial difficulties in which the company can be found. Bank on the basis of these models can reduce number of approved risk assets. In the second part, we consider models for improving credit risk with emphasis on Basel I, II and III, and the third part, we conclude that the most appropriate model and gives the best effect for measuring credit risk in domestic banks.
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Sovereign Credit Risk, Liquidity and ECB Intervention
DEFF Research Database (Denmark)
Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide
This paper explores the interaction between credit risk and liquidity, in the context of the intervention by the European Central Bank (ECB), during the Euro-zone crisis. The laboratory for our investigation is the Italian sovereign bond market, the largest in the Euro-zone. We use a unique data...... between changes in Italian sovereign credit risk and liquidity in the secondary bond market, conditional on the level of credit risk, measured by the Italian sovereign credit default swap (CDS) spread. We demonstrate the existence of a threshold of 500 basis points (bp) in the CDS spread, above which...... there is a structural change in this relationship. Other global systemic factors also a ffect market liquidity, but the speci c credit risk of primary dealers plays only a modest role in a ffecting market liquidity, especially under conditions of stress. Moreover, the data indicate that there is a clear structural...
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2011-07-06
... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration Payment Policy Change for... (NOAA), Department of Commerce. ACTION: Notice of Policy Change. SUMMARY: NOAA's National Data Centers... accepted forms of payment are Visa, MasterCard, American Express, Discover, wire transfers and Automated...
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12 CFR 1400.1 - Farm Credit System Insurance Corporation.
2010-01-01
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...
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Phenomena and parameters important to burnup credit
International Nuclear Information System (INIS)
Parks, C.V.; Dehart, M.D.; Wagner, J.C.
2001-01-01
Since the mid-1980s, a significant number of studies have been directed at understanding the phenomena and parameters important to implementation of burnup credit in out-of-reactor applications involving pressurized-water- reactor (PWR) spent fuel. The efforts directed at burnup credit involving boiling-water-reactor (BWR) spent fuel have been more limited. This paper reviews the knowledge and experience gained from work performed in the United States and other countries in the study of burnup credit. Relevant physics and analysis phenomenon are identified, and an assessment of their importance to burnup credit implementation for transport and dry cask storage is given. (author)
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Development of Consumer Credit Laws in Malaysia
Rahman, Ahmad Saufi Abdul
2007-01-01
Consumer Credit is a branch of Commercial Law, which has been developing in recent years inMalaysia. The purpose of this paper is to summarize the latest amendments in the consumer credit laws inMalaysia and to highlight its significance. The discussion will be limited to the three most important laws ofconsumer credit in Malaysia: the hire-purchase, money lending and pawn broking laws.
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75 FR 15686 - NOAA'S Office of Ocean Exploration and Research (OER) Strategic Plan FY 2011-FY 2015
2010-03-30
...-01] NOAA'S Office of Ocean Exploration and Research (OER) Strategic Plan FY 2011-FY 2015 AGENCY... and Atmospheric Administration (NOAA), Commerce. ACTION: Notice of availability and request for public comment. [[Page 15687
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National Oceanic and Atmospheric Administration, Department of Commerce — This image represents a 3 meter resolution backscatter mosaic of selected portions of seafloor around Tourmaline Bank, Puerto Rico. NOAA's NOS/NCCOS/CCMA...
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National Aeronautics and Space Administration — The CAMEX-4 NOAA WP-3D Video dataset was collected during the fourth field campaign in the CAMEX series (CAMEX-4), which ran from 16 August to 25 September, 2001 and...
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20 CFR 606.23 - Avoidance of tax credit reduction.
2010-04-01
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Avoidance of tax credit reduction. 606.23 Section 606.23 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TAX CREDITS... Tax Credit Reduction § 606.23 Avoidance of tax credit reduction. (a) Applicability. Subsection (g) of...
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20 CFR 606.20 - Cap on tax credit reduction.
2010-04-01
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Cap on tax credit reduction. 606.20 Section 606.20 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TAX CREDITS... Tax Credit Reduction § 606.20 Cap on tax credit reduction. (a) Applicability. Subsection (f) of...
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Implied Materiality and Material Disclosures of Credit Ratings
Eccles, Robert G; Youmans, Timothy John
2015-01-01
This first of three papers in our series on materiality in credit ratings will examine the materiality of credit ratings from an “implied materiality” and governance disclosure perspective. In the second paper, we will explore the materiality of environmental, social, and governance (ESG) factors in credit ratings’ methodologies and introduce the concept of “layered materiality.” In the third paper, we will evaluate current and potential credit rating agency (CRA) business models based on our...
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A Macroeconomic Model of Credit Risk in Uruguay
Directory of Open Access Journals (Sweden)
Gabriel Illanes
Full Text Available In this paper we evaluate credit risk of the economy as a whole, aiming at the study of the financial stability. This analysis uses as proxy the credit granted by the banking system. We use a non-linear parametric model based on Merton's structural framework for the analysis of the risk associated to a loan portfolio. In this model, default occurs when the return of an economic agent falls under certain threshold which depends on different macroeconomic variables. We use this model to assess the credit risk module in stress tests for the local banking system. We also estimate the "elasticities" of credit categories correspondig to corporate credit and consumer credit, both in national currency and american dollars. We obtain the parameters for the model using maximum likelihood, where the likelihood function contains a random latent factor which is assumed to follow a normal distribution.
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CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES
Directory of Open Access Journals (Sweden)
V. E. Gladkova
2011-01-01
Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.
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Emission credits : what are they worth?
International Nuclear Information System (INIS)
Wilman, E.A.
2003-01-01
The current cost of making a carbon transaction was discussed with particular reference to a time-line when emissions trading will become more cost-effective and streamlined for quicker results. This paper described how companies are dealing with the risk of emissions trading in terms of pricing and the expected financial impacts of owning a new commodity. The incorporation of emissions credits and trading activities into a company's balance sheet was also described in terms of how banks will consider a company's credit when calculating their loan potential. It was noted that some credits will be valued higher than others based on their historical background. The financial impact that credits have on company assets was addressed in terms of measuring reputation management. The importance of developing a financial plan for effective management was emphasized in terms of evaluating emissions reduction projects and future options. 17 refs., 2 figs
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Detection of coal mine fires in the Jharia coal field using NOAA/AVHRR data
Energy Technology Data Exchange (ETDEWEB)
Agarwal, R.; Singh, D.; Chauhan, D.S.; Singh, K.P. [Harcourt Butler Technological Institute, Kanpur (India)
2006-09-15
Coal fires represent a major problem in most coal producing countries. The Jharia coal field (JCF) has been affected by surface and sub-surface coal fires since the beginning of mining in the region in the mid 1800s. Currently research is focused on using freely available satellite data such as NOAA/AVHRR, MODIS (moderate resolution imaging spectrometer) etc for various applications. The potential of National Oceanographic and Atmospheric Administration (NOAA) Advanced Very High Resolution Radiometer (AVHRR) images for detecting coal fires and monitoring their progress and associated environmental hazards and risks to the local communities in the JCF has been reviewed. Three models, namely the thresholding model, the contextual model and the fuel mask model have been used to determine the potential fire pixels. Due to the coarse resolution of the NOAA/AVHRR data it was essential to determine sub-pixel fires as well. Results of this study have been verified using the MODIS active fires product, MOD14 (Terra). We have used ten images of NOAA/AVHRR for the year 2004 in this study, and the results are in broad agreement with the ground truth data.
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NOAA NDBC SOS, 2007-present, sea_water_practical_salinity
National Oceanic and Atmospheric Administration, Department of Commerce — The NOAA NDBC SOS server is part of the IOOS DIF SOS Project. The stations in this dataset have sea_water_practical_salinity data. Because of the nature of SOS...
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National Oceanic and Atmospheric Administration, Department of Commerce — This image represents a 3 meter resolution backscatter mosaic of selected portions of seafloor around Mona Island, Puerto Rico. NOAA's NOS/NCCOS/CCMA Biogeography...
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National Oceanic and Atmospheric Administration, Department of Commerce — This image represents a 3 meter resolution backscatter mosaic of selected portions of seafloor around Mona Island, Puerto Rico. NOAA's NOS/NCCOS/CCMA Biogeography...
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77 FR 8184 - Foreign Tax Credit Splitting Events
2012-02-14
... Foreign Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... these proposed regulations. The regulations affect taxpayers claiming foreign tax credits. Special... of the Federal Register.] Sec. 1.909-6 Pre-2011 foreign tax credit splitting events. [The text of...
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Credit risk in emerging markets Peruvian listed company
Directory of Open Access Journals (Sweden)
Kurt Burneo Farfan
2017-07-01
Full Text Available The aim of this paper is to introduce the importance of the banking credit risk, the main elements that conform it and the main alternatives that are offered to access to a loan as well as a description of its measurement and management in the sector. There will be a general explanation of credit risk and the main parties involved in it. As the topic is developed it is going to be analyzed the lending process carried out by the banks as well as the quantitative and qualitative elements taken into account when taking a credit decision (The 5C’s of credit, credit scoring and models for quantification of losses for instance. Another thing to considerate is that Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt. Also, the investors have the access for the information of a client and they are compensated for assuming credit risk by way of interest payments from the borrower or issuer of a debt obligation and the credit risk is a useful tool for the finance management. The Enterprise risk management in Peru changed in 2015 because the local regulator is in process to review the norm, including some aspects of corporate governance; these changes are not included in this research.
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Tight gas sand tax credit yields opportunities
International Nuclear Information System (INIS)
Lewis, F.W.; Osburn, A.S.
1991-01-01
The U.S. Internal Revenue Service on Apr. 1, 1991, released the inflation adjustments used in the calculations of Non-Conventional Fuel Tax Credits for 1990. The inflation adjustment, 1.6730, when applied to the base price of $3/bbl of oil equivalent, adjusts the tax credit to $5.019/bbl for oil and 86.53 cents/MMBTU for gas. The conversion factor for equivalent fuels is 5.8 MMBTU/bbl. Unfortunately, the tax credit for tight formation gas continues to be unadjusted for inflation and remains 52 cents/MMBTU. As many producers are aware, the Omnibus Budget Reconciliation Act of 1990 expanded the dates of eligibility and the usage for-Non-Conventional Fuel Tax Credits. Among other provisions, eligible wells may be placed in service until Jan. 1, 1992, and once in place may utilize the credit for production through Dec. 31, 2002. Both dates are 2 year extensions from previous regulations
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NOAA Ship Okeanos Explorer Underway Meteorological Data, Near Real Time
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Okeanos Explorer Underway Meteorological Data (Near Real Time, updated daily) are from the Shipboard Automated Meteorological and Oceanographic System...
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Sturm, A. B.
2016-12-01
The wildlife conservation organization, Defenders of Wildlife, petitioned NMFS to list the smooth hammerhead shark, Sphryna zygaena, as endangered or threatened throughout its range under the ESA. The petition was critically evaluated to determine if the petitioners presented substantial scientific or commercial information indicating that the smooth hammerhead shark may warrant listing under the ESA. The petition and the cited scientific literature (as well as scientific literature readily available in NMFS files) were evaluated to determine if the smooth hammerhead shark may be threatened or endangered because of any one or a combination of the following five ESA section 4(a)(1) factors: (1) present or threatened destruction, modification, or curtailment of its habitat or range; (2) over utilization for commercial, recreational, scientific, or educational purposes; (3) disease or predation; (4) inadequacy of existing regulatory mechanisms; (5) or other natural or manmade factors affecting its continued existence. The available scientific literature indicates that the smooth hammerhead shark populations have declined in multiple regions. Smooth hammerhead sharks may warrant listing due to ongoing threats of over utilization for commercial purposes by global fisheries that target and retain incidental catch of these species to obtain their high-value fins, possible inadequacies in global regulatory mechanisms to control this level of exploitation, and natural factors (such as inherent biological vulnerabilities) that may be exacerbating these threats. Based on these findings, the smooth hammerhead shark may warrant listing as a threatened or endangered species under the ESA and a status review of the species is currently being conducted.
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Credit Spreads Across the Business Cycle
DEFF Research Database (Denmark)
Nielsen, Mads Stenbo
This paper studies how corporate bond spreads vary with the business cycle. I show that both level and slope of empirical credit spread curves are correlated with the state of the economy, and I link this to variation in idiosyncratic jump risk. I develop a structural credit risk model...... that accounts for both business cycle and jump risk, and show by estimation that the model captures the counter-cyclical level and pro-cyclical slope of empirical credit spread curves. In addition, I provide a new procedure for estimation of idiosyncratic jump risk, which is consistent with observed shocks...
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National Oceanic and Atmospheric Administration, Department of Commerce — The Pacific Islands Fisheries Science Center, part of the National Marine Fisheries Service, National Oceanic and Atmospheric Administration (NOAA), conducted...
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Prefrontal system dysfunction and credit card debt.
Spinella, Marcello; Yang, Bijou; Lester, David
2004-10-01
Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.
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24 CFR 232.570 - Endorsement of credit instrument.
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Endorsement of credit instrument... of Fire Safety Equipment Eligible Security Instruments § 232.570 Endorsement of credit instrument. The Commissioner shall indicate his insurance of the loan by endorsing the credit instrument and...
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26 CFR 31.3302(b)-1 - Additional credit against tax.
2010-04-01
... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Additional credit against tax. 31.3302(b)-1... credit against tax. (a) In general. In addition to the credit against the tax allowable for contributions... credit allowable against the tax for such year shall be the aggregate of the additional credits allowable...
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Dual Credit/Dual Enrollment and Data Driven Policy Implementation
Lichtenberger, Eric; Witt, M. Allison; Blankenberger, Bob; Franklin, Doug
2014-01-01
The use of dual credit has been expanding rapidly. Dual credit is a college course taken by a high school student for which both college and high school credit is given. Previous studies provided limited quantitative evidence that dual credit/dual enrollment is directly connected to positive student outcomes. In this study, predictive statistics…
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The National Credit Act Regarding Suretyships and Reckless Lending
African Journals Online (AJOL)
In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...
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12 CFR 704.17 - State-chartered corporate credit unions.
2010-01-01
... provided under the laws of the state in which it was chartered. (b) A state-chartered corporate credit... 12 Banks and Banking 6 2010-01-01 2010-01-01 false State-chartered corporate credit unions. 704.17... CORPORATE CREDIT UNIONS § 704.17 State-chartered corporate credit unions. (a) This part does not expand the...
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Optimal advanced credit releases in ecosystem service markets.
BenDor, Todd K; Guo, Tianshu; Yates, Andrew J
2014-03-01
Ecosystem service markets are popular policy tools for ecosystem protection. Advanced credit releases are an important factor affecting the supply side of ecosystem markets. Under an advanced credit release policy, regulators give ecosystem suppliers a fraction of the total ecosystem credits generated by a restoration project before it is verified that the project actually achieves the required ecological thresholds. In spite of their prominent role in ecosystem markets, there is virtually no regulatory or research literature on the proper design of advanced credit release policies. Using U.S. aquatic ecosystem markets as an example, we develop a principal-agent model of the behavior of regulators and wetland/stream mitigation bankers to determine and explore the optimal degree of advance credit release. The model highlights the tension between regulators' desire to induce market participation, while at the same time ensuring that bankers successfully complete ecological restoration. Our findings suggest several simple guidelines for strengthening advanced credit release policy.
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Disposal criticality analysis methodology's principal isotope burnup credit
International Nuclear Information System (INIS)
Doering, T.W.; Thomas, D.A.
2001-01-01
This paper presents the burnup credit aspects of the United States Department of Energy Yucca Mountain Project's methodology for performing criticality analyses for commercial light-water-reactor fuel. The disposal burnup credit methodology uses a 'principal isotope' model, which takes credit for the reduced reactivity associated with the build-up of the primary principal actinides and fission products in irradiated fuel. Burnup credit is important to the disposal criticality analysis methodology and to the design of commercial fuel waste packages. The burnup credit methodology developed for disposal of irradiated commercial nuclear fuel can also be applied to storage and transportation of irradiated commercial nuclear fuel. For all applications a series of loading curves are developed using a best estimate methodology and depending on the application, an additional administrative safety margin may be applied. The burnup credit methodology better represents the 'true' reactivity of the irradiated fuel configuration, and hence the real safety margin, than do evaluations using the 'fresh fuel' assumption. (author)
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NOAA Ship Nancy Foster Underway Meteorological Data, Near Real Time
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Nancy Foster Underway Meteorological Data (Near Real Time, updated daily) are from the Shipboard Automated Meteorological and Oceanographic System (SAMOS)...
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NOAA Ship Ka'imimoana Underway Meteorological Data, Near Real Time
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Ka'imimoana Underway Meteorological Data (Near Real Time, updated daily) are from the Shipboard Automated Meteorological and Oceanographic System (SAMOS)...
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NOAA Ship Bell M. Shimada Underway Meteorological Data, Quality Controlled
National Oceanic and Atmospheric Administration, Department of Commerce — NOAA Ship Bell M. Shimada Underway Meteorological Data (delayed ~10 days for quality control) are from the Shipboard Automated Meteorological and Oceanographic...